I really love this wallet. It shipped and arrived open and flat and you will have to work with it and train it to stay closed before using. I folded it up and closed it and kept it under a heavy book for about 12 hours and after that it was perfect. I did remove the pen because with my checkbook, the pen started to show from the outside of the wallet and I was worried about it getting damaged. The pen wasn't anything I was interested in keeping or using anyway. The wallet closes magnetically with a magnetic flap and once it was "trained" I have no issues with it staying closed. The ID window is perfect and has a notch on the bottom that helps assist you to push it back up when needing to remove. I don't carry a lot of cash or cards.just my bank card and checkbook, but there's plenty of room if I did need to keep cash. You can carry up to 4 debit or credit cards, the checkbook section comes with a duplicate cover if that's something you need. This wallet is plasticky and somewhat plush.and very pretty. It's just my style and matches my very plastic pink purse lol. It reminds me of the plastic wallets we had as kids.which is exactly what I wanted, yet it functions as a very adult wallet. It doesn't hold much else so if you need something that holds a lot of cards or cash.this probably wouldn't work. Overstuffing this wallet would definitely prevent it from closing properly. I am very pleased with it and hope it lasts a very long time.
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