I have been told by PSA that it does not affect the grade, and the declared value should be what you feel it's worth raw.
If the value of the graded card is substantially higher you can pay extra to have it insured on the trip back to you for the new value.
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Successful transactions with peter spaeth, don's cards, vwtdi, wolf441, 111gecko, Clydewally, Jim, SPMIDD, MattyC, jmb, botn, E107collector, begsu1013, and a few others.
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