Part of the point of a credit card tool is that it fits in your wallet. But if this tool is sharp enough to be useful as a knife, it will need a separate sheath, and with a separate sheath it won’t fit well in a wallet. And if it isn’t sharp enough to need a separate sheath, it isn’t sharp enough to be useful as a knife.
60 tools in 1Here is a list of all 31 functions from their website...