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LarryFirst, Neiman Marcus buys their items from their suppliers/manufactures or vendors, when you return something to them, they just deduct it in their credit allowance from their vendor so they are out nothing, collectibles is way different, that example is ridiculous.
Our e bay policy has been amended due to abuse from collectors that used our liberal returns to their advantage by shopping graded cards between grading services to get bumps and would try to return after.
On raw cards, we still offer 30 day returns on any items we sell that come back trimmed, altered or recolored since we try to screen that and disclose anyway.
On graded cards, we do not accept returns anymore unless the item has a major hidden problem not noticed, then we will send it back to the grading service for their 2nd opinion. If they deem the grade acceptable, then that is final, if they do not, we will refund in full & include shipping.
I understand some collectors cannot see the card close and are at a disadvantage, we try to describe card accurately and most of the time we are correct. Sometimes, we do make an occasional error and we will correct those situations. Unfortunately the way e bay works and auction houses work, we cannot police every card and why we pay $13 or more per card to get them 3rd party graded. If item was consigned and consignors do not accept returns from us other then previously stated reason, we are caught in the middle.
Generally, PSA & SGC grading services undergrade or are accurate, very rarely do we get cards slabbed higher than we figured, that is just our experience with over 6000 transactions.