I recently purchased this here, but I'm listing it because I'm swapping it out for a different item. ○ It looks good in the photos, but it's worn when you see it in person. There's also some fuzzing. ○ There's some deterioration on the inside, mainly around the main compartment. I don't think it's in a large area. ○ There are some frays on the outer pockets and corners. ○ A card holder is included. Considering it's a used item, it's in good condition and still usable. It's suitable for people who would be too particular with a new item. I'm thinking it would be nice to keep it, so I'll consider taking it down if it doesn't sell quickly. I might even use it until it sells. The packaging may be compact. Thank you for your consideration.