Abstract: A wallet, billfold, business card or credit card holding device for holding flat items including cards and folded paper currency bills having two or more of panels joined with resilient members extending between the peripheral edges of adjacent panels defining one or more openable pockets of a thickness when folded bounded by the panels, where the device is operable between: a secured position where a retention panel resiliently encloses the pocket and impedes insertion and extraction of items from the pocket; and an open position where the retention panel is withdrawn for access to the pocket.