I thought it was overkill and I had empty seats. HA. Apparently I have too many cards because it's full. Because it contains so many cards, one page is for main use, debit and bank cards. Then the other side for membership cards, Costco, grocery, health insurance, prescription and the like. Makes finding the right card easier. Of course, I also arrange the cards alphabetically. Maybe you're not so obsessed with organization. A good option is to have one side that zips up at the top and the other that is open. The side zips hold things I always carry with me. Open page for daily receipts. I wouldn't recommend putting your phone inside because if you use the zipped side it takes a while to get your phone out when it rings. If you use the open side, it may slip out. Neither side is large enough to fit a phone in a protective case. It's ok, I didn't buy it for the phone anyway.
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