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Ricky YI don't have any preference per say since I too buy the card vs the holder...I'm sure most if not all here do too. The biggest problem I have with PSA is their tendency to lump the F-G cards into one...I have seen absolutely horrible chewed up cards getting the same grade as decent ones with honest wear. I don't see credibility in that secnario at all. SGC at least has more categories in their grading tier so you don't see that.