I'm experiencing something similar with a T206 Nap Rucker that *clearly* looks like a 5+, but was in a PSA-2 slab when I bought it. I sent it to SGC for crossover, with a minimum SGC-3 requirement -- and, of course, they called it a 3 just so they could put it in their own holder.
In retrospect, I probably should have just cracked it and submitted it as raw. I'm certain that seeing it arrive in a holder that said "2" on it was bound to influence the SGC grader's opinion of the card. If nothing else, they wouldn't want to risk grading it a 5 and possible "missing" something that the PSA grader certainly must have seen, right? So they played it safe and increased by 1 grade, because that's defensible.
On your particular card, it's always tough to see in photos, but is there a small surface wrinkle in the upper right?
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