Since you guys are okay and giving a pass to him for refunding the money, I have no issues selling you guys a card, holding your money (using it to short sell other cards to make money). Never sending you the card and then refunding you when I see fit. Sound good? I mean If I refund you, everything is good right? LOL great logic.
Oh yea, also add in the excuse to legitimize everything by saying 'i just didnt feel comfy"