I've had the money clip for about 8 months now. I bought it at a MCX on Camp Pendleton and have purchased numerous products from the Company. This particular item needs to have a heavier duty band that can hold the 4 cards and some cash that an average person would carry. I have had a total of 5 cards on it but it seemed to much for the band so I went down to 4 cards and it was snug enough with the cards and cash. I would also suggest maybe providing an additional band with the item just in case the band breaks within the first year as mine has done. Overall I would recommend this product to friends and have already had three friends buy them two of which have had the same problem with their band as well.