I was a little concerned about using all the credit card pockets instead of a wallet, but I love it.  I love all the different pockets -- no more dumping out my purse looking for something.  I've had the bag for a few months now and the only problem is that stitching on the "leash" where the change purse attaches to the bag came undone.  Right now I have tape holding it on the latch.  If I had a sewing machine I could sew it back, but I don't.  The tape isn't the best look, but it holds the change purse to the bag.