The 24k gold ridge wallet is a nice fancy wallet. For how expensive it was i was only going to use it for going out special nights but then i remembered i dont like switching wallets all the time so i made it my everyday even at work. So far there have been zero scratches on the wallet and no defects. I paired it with my gold robin hood credit card and it really looks awesome. The repair policy is legit, my friend accidentally washed his wallet and it bent it, they worked with him and got it repaired.