It is really creamy, just the perfect texture:
On the left is blended, right is a heavy swatch:
You are supposed to apply this over foundation, but I've used it alone and it was also good, the only thing I observed is that it's a little glossy looking. I tried to capture the same exact lighting, with and without the concealer. Now, I don't feel like I suffer from dark circles necessarily, so I probably don't get as dramatic of an effect as someone who does.
I also tried it with foundation:
It probably would have been better to top with powder but that's a lot of layers on my face for me. I tried this concealer on other spots and it was good as well. I really like the consistency and it's really easy to blend out, at first I was worried about the salmony colour but it turns out fine. Oh, and the only other thing, I didn't know this but it actually smells a little salmony too. Kinda icky at first but it doesn't last very long!