I was incredibly skeptical that this would hold my credit cards (about 3 of them) securely but upon closer inspection, this device bends them slightly to put tension on the cards, preventing them from falling out. So far, it's a slick way to easily and quickly flick your cards in and out. The money clip on the opposite side is a bit tight - I was unable to put 3 bills in folded in half - and I am somewhat reluctant to bend it since I've done this with other money clips that rely on tension and my money has fallen out. My solution? Just stay poor! Aside from that, it's a clean, minimalistic approach to ID + cash.