I was so excited when the bag showed up and was so incredibly disappointed that I had to send it back the next day. I spent so much time looking at bags and finally settled on this one, ignoring the negative reviews and criticisms that I now wish I'd listened to. I am sorry that I dismissed the negative comments, I thought you were all being picky, but you were right:

The zippers really are too rough!
It really doesn't hold much due to its flat design!
It is heavy due to its hardware, which I liked the looks of, but I'd rather my bag were heavy due to all the stuff I can get in it, which I couldn't.
Pens really do fall out of the stupid sideways pen slot!
It does slip off your shoulder if you don't wear it cross-body!

Personally, I'd rather have more internal or external compartments instead of the silly credit card slots (don't you keep your credit cards in you wallet anyway?).

Anyway, the only reason I didn't say one star is that I like the fabric, and I do like the way it looks.

Do yourself a favor and don't get this bag!