100% agree with everything said. Having a piece of memorabilia that doesn't match the photo makes the card look like it was made by incompetent amateurs, IMHO.
I never understood this: if a company has access to an archive of player photos with them in various jerseys, etc, why wouldn't the graphic artist putting together the cards match them up accordingly? Such an easy thing. Even if a mis-match happens, you would think the last person that signs off on the cards (i.e. Creative Director), would notice - or care - to correct.
Putting a mock jersey on a card...especially if it's mixed in with live photos of other players is extremely laughable!
I know these unlicensed card companies have to make-do of not using real photos of certain players, but why not do artwork like paintings or sketches of these certain players?!? You can get around it that way, and the card looks presentable, or at least, 'appropriate'.
On the other hand, having just a name with a piece of memorabilia (no photo), can sometimes work. If you frame the card with an 8x10 photo of the player, it makes for a nice display piece.
Again, these are just my opinions. Obviously there are interested collectors for what we're talking about. To each their own. While the memorabilia is the focus of the card, the entire artwork surrounding it is just as important to me.