If you still like the card, but feel the grade was a blunder (I agree), this is a perfect case to enforce on the "guarantee".
Send the card to SGC in that holder and have them look at it. If they downgrade it (and they should), my understanding is they owe you the difference in value between a 4 and what it really is (maybe a 2).
I have heard that their first offer will be to make that value good in grading vouchers. This is worth it if you use SGC much. Otherwise, I think they owe you the cash difference.
Cheers,
Blair
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