What would you do?

Tugnar Haziran 10, 2022

I bought this card on eBay with a BIN. Here is the image from the auction:

Here is my scanned hi-resolution version with some markings to point out the flaws:

Now go ahead and open that image in a new window. I've marked the creases with red circles. The one to the left of the "1" is a lot more pronounced than it's showing up on the scan.

Also the card stinks of cigarette smoke but it's in a clean penny sleeve and toploader now so that's not too much of an issue anymore.

But I paid 13.99 for the card. I expressed my displeasure with the card with the auctioneer and he offered to refund my money if I sent it back. He also offered to take $5 off if I wanted to keep the card.

So I'd be out 8.99 for the card. Here is the cheapest BIN on eBay.

I'm on the fence about this...What should I do?