I felt the water resistance is not so very important, but. The more the handling of the card If the card once in it, it is rolled up together with the bag and quickly pushed into the side pocket of a backpack. The card must be folded for use on the format of the pocket. You will then folded slightly bent into a U-shape and pushed into the pocket. Then let go smoothly even behind the flap on the zipper, zip and that's it. Afraid I have to my credit card not because I see them as a wear item. Only when rolling up the bag, I find it a bit disturbing that the air is compressed in the pocket and is briefly formed a bubble at the end of the bag. Is just not different because the bag must be sealed Yes. The belt is long pleasant time to attach the bag so that you have not always agree.