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Yea, I tried it for several days and it still didn't loosen up.
I then bought the Levenger Slim Card Wallet Writer on ebay for about 20 bucks. The quality of the leather is so much better.

I returned it. The material is just not soft / flexible enough. I had to try really hard to squeeze one credit card in each of the slot.

http://desktop-zero.blogspot.com/2009/08/unboxing-gtd-tools-mens-leather.html

Mine should arrive tomorrow. Maybe this is too early to ask... Where are you planning to get the refills?

Just ordered the notetaker wallet from them for $22.59 last Thursday. Can't wait for it to arrive!

This wallet looks awfully similar to the Davidco notetaker wallet: http://www.rushgideon.com/ProductDetails.asp?ProductCode=475-3294&click=6150&zmam=82701100&zmas=1&zmac=24&zmap=4753294

and it's...

http://www.controlchaos.com/