Pros: #1 Leather is pretty, although it does not smell bad, it has no smell at all, like real leather should. #2 There are 14 card slots not eleven, not counting the 3 long slits for paper money. Cons: #1 There is no Checkbook plastic separator #2 There is not a place for a pen #3 It is made upside down, clasp is upside down and the slots inside should all go in same direction #4 The zipper looks like it is rusted and I am sure it will stick before to long. #5 If you do not open the wallet just right and you have loose items or your phone in it they are for sure going to fall out. #6 Does not even look like the picture, at all! Paid $30 and have had way better quality with $15.00 wallets. Would not recommend or purchase again.