I did! I was, however, a stupid person and did not tell Marco correct strap length for a full crossbody (as it is, it is too short for me when worn this way). The strop is modular, so I will just order a longer middle piece from him for a crossbody. But! In the meantime I hooked in the wristlet strap to the shoulder strap and the bag and now the length is pretty good! Penelope is amazing - she is so small and flat but actually fits an almost unreasonable amount of stuff. I think with a messenger strap it is a wonderful budget alrternative to the penny messenger

.
As for the card holder, I personally do not own one, but my mom likes hers. She got it in merinos, so maybe it is softer there. I recall someone else besides
@lenie having a similar problem to yours :/.
@Pautinka (love the name, by the way

, it will be super gorgeous! Bluette is such a gorgeous summer blue!