I was going to give it four stars for one reason only. It is the fact that it is advertise that it holds up to 12 cards. This is true but it should say that it will hold 1-4 comfortably and up to 12 in the expanded mode…when the moving metal plate held by the rubber band clears the housing where it can be moved in either direction. However, since I only carry 3-4 cards at any given time this isn’t an issue for me. Also, the reason I gave it a 5 star was because, not only is it exactly what I wanted and works perfectly for me, but the fact that Charlie called me in order to see how I like it. Customer service is one of the most important things when I am buying anything, and he surpassed my expectations.