Ya know... if you have a stack of cards in card savers and they were in your shirt pocket, I think it would take a significant shot to cause damage like that... and only one card was damaged and not the others? I'd bet that the crease was there when you bought it and you didn't notice it until later. You check the card for creases and the front shows nothing, very likely the lighting was inadequate and you glanced at the back quick, saw that there was no wax stain, and assumed all was well.
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