PSA will give a 5 to a card with a crease. If you read their grading standards, they do say that. So, if you're not sure, you may want to email the seller to save you time and money.
I've never seen an SGC 60 (5) with a crease, but like you said I guess it could happen to them too. The difference is that PSA will knowingly give a 5 to a card with a crease and SGC will not.
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Collecting 1965 Topps High #'s SGC 88 or better: 10/91
BUYING Well Centered:
1956 Topps SGC 84 or Better (or raw equivalent)
1965 Topps SGC 88 or Better (or raw equivalent)
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