The credit card holder is beautifully crafted. It is the perfect size to fit into my shoulder bag, has stiff holders that keep the cards upright and visable for easy and fast extractment. The zipper enclosre keeps all cards safe. There are 3 rows. In the first row I keep IDs and insurance cards, the second credit cards, and the third financial and pension info. Each column is also set up by priority. Before use each card was photo copied, front and back, and stored in a safe place. There are also places for a checkbook, cash and coin. This holder is the best I have ever purchased or should I say got free with the use of prime points from using my Amazon credit card. What a sweet deal.