Before laying down your 'plastic' to buy a string of pearls or bracelet or 14k gold chains, read all you can about it so you are a well education purchaser. Compare price, service and quality. f. Specifically inquire about the return and refund policies. a. Carefully read all warranties and guarantees and ask questions if the terms are unclear. Be sure to get, in writing, on the sales receipt, any information you relied on when making your purchase, such as the gem's weight or size. Some jewelers will supply a grading report from a gemological laboratory.

The saying goes 'if you don't know your jewels, know your jeweler'. Well, checking on the reputation of the sale that you making is of paramount importance when buying diamonds, pearls, watches or 14k gold chains. Check out the store's reputation in your area. If the jewelry store is a member of any trade organizations, determine what they are and investigate the requirements to belong. Obtain as much information as you can about the store you are entertaining using from the Better Business Bureau. Dealing with knowledgeable staff is a must. See if they have a gemological background.

When buying diamonds, pearls, rubies or 14k gold chains on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. Document the details related to your purchase for future use, if necessary. If you are shopping online, get the websites location and talk with someone to clarify all aspects of the purchase. In addition, be sure that you document all conversation and details of the transaction. With all that accomplished, wear that jewelry or 14k gold chains as often as possible.