Amazon calculates a product’s star ratings based on a machine learned model instead of a raw data average. The model takes into account factors including the age of a rating, whether the ratings are from verified purchasers, and factors that establish reviewer trustworthiness.
The description was spot on when it said this leather was soft - the billfold is pliable but seems sturdy. My credit cards went into the card slots easily, as did bills. I wanted a slightly smaller billfold but one that still had enough card slots and a place for both change and bills - this one is just right for me. I definitely recommend it.