Good quality for the price.  The leather appears to be a bit faded but it does not bother using it every day.  It did not come with the credit card plastic inserts unlike the one I used to have, but I just reused it from my old one.  So no problem here.  I think you can purchase this same plastic insearts from Rolf's also.  This check book with credit card/store card holders keeps me organized in my daily bag.