First the brown is darker than is shown in the picture.  Secondly the secret pouch is black and doesn't run the whole length of the belt and you can see it from the top even when being worn so it might stand out as a money belt to a saavy thief.  Thirdly, you have to fold over bills twice to get them to fit.  Too small for a credit card.  You'll need an under the clothes style money belt or secret pocket for a credit card.