Posted By: 
Joe D.thats not necessarily what SGC is saying.
I can't answer for them....
but - I can think of a bunch of innocent reasons why water might come into contact with a card.
cleaning agents yielding a pristine looking card is another story altogether.  
so maybe their tolerance level for evidence of water touching a card.... and their tolerance level for evidence of a  cleaning agent touching a card is different -
and I think that is reasonable.
just my opinion.