I love this purse, it's perfect for my needs.  I normally do not like to carry a large handbag, so when I saw this clutch with the credit card holders; I knew I had to buy it.  I didn't give a 5 start because I feel the strap is a little shorter than I would like.  I'm 5'5&#34; and using this as a cross-body is a bit shorter than I like.  Nonetheless, the material is fantastic and it meets my necessities.