I have never sent cards in for grading. I did it previously for a small handful of nicer coins - mainly to get confirmation on authenticity and variety for some silver dollars. I am ok with my cards being in top loaders or one touch holders. I do have some graded cards, and they were bought that way with none of them being high end. I have two 1958 Omaha Cardinals Bob Gibson team issued cards that I will probably get graded at some point (maybe when I decide that I am going to sell them).
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