Overstock does a great job finding bargains and shipping them quickly and with little cost, but don't waste a cent on this wallet. A family member requested it as part of a Chirstmas gift and I purchased it. While I normally try not to make value judgements about Christmas wishes, I couldn't stand to actually give this item as a gift. The 'leatherette' was hideous and the cheap snap closure was scuffed. For an additional $10, I went to a department store and bought a brand-name leather wallet that was on sale. As I was wrapping up the item to return (thank you Overstock for your generous return policy!), a co-worker asked "Who gave you the freebie wallet?" I explained that it wasn't from a bank or insurance company, but was an actual product sold by a store. We both agreed it looked incredibly cheap.