I am really loving this wallet in mono....especially b-cuz it hold a ton of cards and is so slim and sleek. I was wondering if anyone uses it for their checkbook as well? Does it become bulky when you put your checkbook inside? I used to have a PTI and it became so incredibly bulky after you put your change, bills, and checkbook inside. I ended up selling it. I think the eugenie will work so much better. I know that the gold hardware will get scratched over time but who cares. I don't think it will take away from the beauty. its even a hot enough wallet to wear as a clutch Thoughts anyone??