Before laying down your 'plastic' to buy a string of pearls or bracelet or black gold hills onyx ring, read all you can about it so you are a well education purchaser. Match up the quality, customer service and price of competing offers. d. Be sure you understand and can live with the store (or websites) exchange and return policies. d. You will want a warranty with your purchase so inquire and understand what is offered. Get a sales receipt and, in writing, all the pertinent facts related to the item you are buying.

We can't think of another purchase category beyond jewelry where the reputation and honesty of the seller is more important. Do all you can to investigate the business practices of the jeweler whether you are buying precious stones, gold, platinum or black gold hills onyx ring. Look into the 'buzz' about the company that you are contemplating making your purchase. See if they belong to any trade organizations which usually require strict adherence to good business practices before accepting a store for membership. Don't forget to look into the background of your jeweler through the BBB - they are an excellent resource. Dealing with knowledgeable staff is a must. See if they have a gemological background.

When buying diamonds, pearls, rubies or black gold hills onyx ring on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. Get all the product details in writing (for example by email) including refund policy. A conversation with a sales person from the online store as you want to 'get personal' as if you had visited a 'bricks and mortar' store. Further to the telephone call, be sure that the purchase is well documented including all representations. With all that accomplished, wear that jewelry or black gold hills onyx ring as often as possible.