I bought this for myself and then I bought another one as a Christmas gift.  I only give it 4 stars because the black clip broke the first time I used it.  But, it was no big deal because it still close and stay closed without it.  Someone had said this happen to them so it was no suprise to me.  It really doesn't need it anyway. I have mine packed with 11 items (10 might be the limit), cards, gift cards, drivers license and etc.  All the items that swipe.  It closes and stay closed just fine.  You can't beat it for the price.