I would send an email before opening a claim. See if the seller is willing to work with you. If he doesn't respond today I would open the claim tomorrow.
You are entitled to a full refund as the card was not as described. Depending on the cost ebay might tell you to keep the card and refund your money if you file the claim. This happened to me once. I did not feel bad because the seller was a jerk and basically told me to beat it when I asked for a partial refund.
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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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