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Very hard to find- most of these you come across only have one zipper. This has a full area for cards, money and coins as well as a pen in addition to a separate zippered compartment for your checkbook or whatever you wish! It is in good condition with minimal scuffing at corners- barely noticeable as you can see in pictures. Inside has slight areas of discoloration from normal usage. This is a bigger size and works great as a clutch/ hand held wallet- iPhone 7 plus fits in here no problem! Comes with dust bag. No card, sorry.