Low rating because it cannot perform the simple function that the wallet was designed to perform. This wallet is big. Larger than the average wallet you buy in a department store's men's accessories department or from Target. It barely fits in pockets and is so bulky. Also, I used to be able to hold at least 20 cards (debit, credit, health, discount, etc.) in a normal-sized wallet, and I found that difficult with this wallet. It feels like its main purpose was to look good and not do the job a wallet is supposed to do - hold your belongings and fit in your pockets! Waste of money and now stuck with this one. Save your money!
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