I use this as a wallet. It is the best one I have ever had. I drive a truck, so sitting on a wallet all day can be a real pain in the butt. Literally. With this, I can wear it around my neck, under my shirt, or over for frequent access, and still remove the cord and stick it in my hip pocket on the weekends (it fits!). Plenty of pockets. Cards, license, ID, cash, even my cell phone, (an S6) will fit in one of the pockets. I don't normally carry the cell in there, but its nice to know it will fit in an emergency. The quality is very good, no issues. Material is first rate. I have a number of Red Rock products and they have all been very good. In this case, I plan to buy more, for myself and as gifts. Keep up the good work, Red Rock.