I have this bag but in fuchsia with gold hardware, I love mine. It isn’t difficult to use the credit card slots at all. I use the card slots and I use the front pocket for cash so I don’t need a wallet. Basically I’m using it like a wallet on chain, maybe you will like it better if you think of it that way? And the back pocket I use for a small nail file and medication in a little plastic bag (like the ones extra buttons come in). Hope this helps!