I thought this would lay flat but it doesn't. I have only one card in every slot. I don't have any cash in the pockets. The cards are hard to remove which is good and bad. I don't worry they will be lost but I struggle to get them out. It is longer than I expected. It isn't leather but it is a well made wallet and after two months and lots of bouncing around in a large purse it still looks nice but I think I like the old fashioned tri-fold wallet better.