Why this thing has a 4.5 star rating is beyond me. It's junk. I've used all kinds of money clips and wallets over the years. This particular one isn't on the bottom of my list, but it's close. Go with the Ralph Lauren Polo leather card / cash holder. They cost 50 bucks, and they're worth every cent as they last for years. Whatever you do, do yourself a favor and don't buy this "smart money clip".