Commuter Multi Compartment Tote Bag

This bag is lightweight, spacious and affordable. There are multiple interior pockets. I appreciate the detachable card case and detachable pouch however the only place to attach them both is on the metal loop at the base of the bag handle, which is on the bag's exterior. I expected there to be a loop within the bag to conceal the attachment, especially since the pouch to too large to fit into the exterior pocket. I will probably use his tote without the pouch.