I Googled "quilt patterns for single charm pack" and came up with these images:
https://www.google.com/search?q=quil...IVidYeCh3sUQGc
Craftsy has these free patterns. I particularly like the third one down "Daisy Baby" except it uses 2 charm packs to make a baby quilt. All you need is a neutral background fabric. Maybe you could do this pattern with your charm pack to make new "fabric", then use that as the basis for your bag or tote.
http://www.craftsy.com/blog/2014/01/...uilt-patterns/