I bought this item for my wife thinking it was more like a wallet. Its more like an extended checkbook cover. There is very little room for cards and in this picture it appears to have a photo holder. When it arrived it did not have one with it .Also, the leather on the outside was in great shape and solid color, the actual checkbook cover on the inside looks like something has been spilled on it or it was exposed to heat or something. It has like gray patches in the black cover. Would not recommend.