I tie this neck wallet to the front of my wheelchair. It hangs between my feet.
I carry about
18 cards shared between the front pocket and the small zipper pocket.
  See-through compartment - 8 cards, and my cash clip
  Short zipper pocket - 10 cards.
Then I carry about 5 notecards, 5 checks, 20 shuttle tickets, and 5 business cards in the tall zipper pocket. Each group of items is paper-clipped with large paper clip.
Pen hangs off the side.
I love this thing. I use it every single day. When I board the busses and train.
The cord is very strong. The cord has a nice ball shaped, button activated clincher that works well.

Complaints?
Only one complaint: the zippers are very, very cheap and only lasted a month or so. Now the zipper just comes undone every time I zip them closed. Both zipper are the same, I think the top zipper lasted a little longer.
I still use it for my only wallet.

I have used this from August 2012 through February 2013. It is now March and I think I might purchase another one just to use the zipper function again. For the price and the functionality and the fact that I shall buy another one... I give this 5 stars.