I just love this wallet. It arrived yesterday from Saks since BalNY was out of the Black one. It is elegant, chic and you can use it as a cluth too.I love the Silver studds with Black. It has slots for for your money, coins, CCs, and check book. This one is definitely a wow factor for me. I wanted a wallet with a different look and not so similar to my Bbags and i got it. Enjoy the pics.