I bought it for 2 functions.1.to start "Pay and Go" with a wireless debit card.The card fits in the V flap - behind the front left flap and in front of the right flap (no product instructions included). The chip is open. I flip the clip over and hold it over the CC.2. The average bar for investing. I prefer the thinner middle bands, but those get hard to find. It only holds a few cards. So, me have a main debit card, a credit card, a driver's license on the inside of the transparent slot and a bonus card for a bread shop.So far,it's good.
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