The higher the copper content, the more this will occur. This recently happened to a few of my coins that range from VG-AU. This is in 2x2 mylar cardboards! Don't kid yourselves! After about 2-3 years your crustier coins will fester.
Specifically the coins were:
- 1950 50 centavos (Mexico, .300 fine)
- 2x 1940s Canadian Half Dollars (.800)
- 2 Swiss Francs (AU, .835 fine)
The coins with the lowest fineness were affected the most. When the surface of metal gets rubbed, scraped, manipulated in any way, the grooves in the metal allow for more tarnish I believe. A mirror finish is one where you cannot see striations in the metal under magnification and you can see your own face. Once the metal surface is compromised the atmosphere affects it faster reacts with the copper.