graphicxtras.com for plugins and presets
Draw rectangle for the Illustrator graphic style as the start point for the creation of the frame in Illustrator
Draw a smaller rectangle path
Align via the align panel) so the latest path is on top of the earlier path
Pathfinder panel menu followed by minus front option
Select combined path
Apply Illustrator graphic styles via the panel
Place border above any image.
$7.79 (also GBP, etc) per set, AI format, download
16,000 Illustrator brushes / Strokes from graphicxtras.com and great with styles AI Illustrator brushes collection
The AI effects can be used to apply to paths and can be used to create stunning borders
You don't have to use an effect with just a square for a border, a border can be created with sphericals as well as triangles and many other shapes. The borders do not need to be just a single frame. You can always duplicate the border and then apply a totally different effect to the border and then perhaps apply a rotation or another live effect.