It depends on the purse, time of year and my mood. I have a charm or two and then I love the look of a tied scarf a little more at times. 

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I like my hanbags naked so to speak, so no charms for me. Having said that I think it depends on the style of bag you like, there are are some great examples here. ( like the yellow car charm that works a treat with the bag above) I don't like huge charms such as entire fury animals and the like, attached on perfectly nice bags. I think that trend ridiculous.