On eBay since 2003 doesn't sound new to me.. you're a legal eBay adult now! Kidding. Pics would help, but what value are are talking about? At least the damage doesn't sound toooo bad. But I'm guessing it's less about the money, and more about principle of getting back what you deserve for receiving it in lesser condition.
Even when eBay decides in your favor it means you will have to ship it back. International tracking is always tricky so factor in the cost of that and if it's really worth the risk, time and effort. I'd say keep the card (if condition doesn't bother you too much) and cut your losses if you don't get a partial refund but good luck either way.
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