The annoying thing about wallets with plastic inserts for credit cards and such is that the plastic inserts always end up tearing after a few months, and you have to go out and buy new ones.  Do yourself a favor, don't buy these.  I bought a set to replace the inserts in my favorite wallet, where the originals had lasted for nearly 2 years before finally starting to tear apart from wear.  These?  Looked promising at first, as they used decent weight plastic, but lasted about 3 weeks before they started to fall apart.  I guess it's time to switch to a wallet with lots of credit card slots in the leather, rather than relying on plastic inserts any longer.