This looks like a really good wallet, but the part that makes me scratch my head is why they put a zipper like that in this thing. It leaves a hard lump on the flat side of the wallet. Of course, my concern is that the flash will damage the credit card or something. So my next step is to find a way to unzip it. It was really unnecessary and very poorly placed. Bad design. I was thinking of giving this product a 2 star rating but I can't completely ruin the product by doing so. If I can't remove the zipper, I can reconsider my vote.