Expected to receive a leather bag but it has a strong vinyl smell if you sniff it close up.  I got mine from ebay before Christmas, and when I realized it was vinyl, I double checked the description on ebay.  The price was dropped nearly $9 in the time I ordered it to the time I received it.  I was not a happy camper, called customer service and asked for a refund in the difference and I am happy to say it was not a problem- and done with a smile!  My paypal account was credited in 2 days!  Thank you E-bags!!!!

Now to the design.  The double wallet flap is a bit redundant for me.  I don't need it and it adds weight.  I think I will be cutting off the inner one.  The outer one will match up with the remaining snap just fine.  I will update this review if I get ambitious.  For $10- a good buy.  Even after surgery.
****************************************************

Well, I used an exacto knife to remove the inner flap and now have a nice separate checkbook/ID holder and a nice bag that has the built in wallet, not too bulky.  If you trim correctly, you will have a flap of vinyl on the separate checkbook flap and can just fold and tuck it inside and it finishes itself nicely with no raw edges.

 I also used an inch wide trim from the other side of the cut piece to finish the raw edge of the purse.  This is not necessary, but I have it so I just stitched it in by hand like an overedge sandwich.  If you can use an exacto knife, you can do this alteration easily and have 2 pieces.