possible scam; what are my options?

[cardsnstuff]

I am trying to be proactive; lets assume I don't get same card in return or a empty envelope. What is my recourse?

We've asked the buyer to ship the item back by Jun 20. Wait until you get the item back before issuing a refund.
You should wait until you get the item back before you refund the buyer. Please ensure that you issue the refund within 6 business days of the item being delivered. If the buyer doesn't send the item back by Jun 20 we may close this return.

Here's what the buyer said

Reason

Just didn't like it

Comments

The card is beautiful but I didn t realize how overextended I became this past month with my expenses. I could really use this $110 for bills. I also didn t realize there was such a noticeable smudge on the back of the card. Sorry for the inconvenience..