There's an inside pocket in the Wapity, so I have all of my credit cards and license in the pocket. (It holds a lot!) And then, I carry my Razor cell, cash, lip balm and sometimes my Bluetooth earpiece in the main section of the Wapity. This little bag really holds a lot! I carry my Wapity out at lunch and leave my LV purse in the office. I have the Mono version but I think the black MC is really cute, but it's about $60 more than Mono.