The Creditor II is a patented credit card knife from John Kubasek. It features a D2 steel blade with carbon fiber laminate. The handle is titanium with a carbon fiber piece to protect the blade tip and improve grip comfort. The frame lock has the Kubasek "Tab Lock" that prevents the tab from over-extending. The Creditor II has a black finished stainless steel pocket clip or money clip, whatever your preference for its use.