I was looking for a money clip and happen to see this. I don't carry many cards and my money is usually held by a rubber band, so I figured this would be perfect to keep my money together. I got it and used it once. It's a piece of metal bent in a way to hold you money and cards. I had a very difficult time getting my money into the clip, forget about the credit cards. Once I had the money in I could barley get it out without tearing up my money. I tried bending it a little and it held alright until I spent some money and the bills kept falling out. This was a waste of money. If your looking for something reliable that can hold your money and credit cards and will keep them compact, invest in a bag of rubber bands.