Before laying down your 'plastic' to buy a string of pearls or bracelet or cheap silver 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. f. Specifically inquire about the return and refund policies. c. Ask about the seller's guarantee and/or warranty on the item being bought. Get a sales receipt and, in writing, all the pertinent facts related to the item you are buying.

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or cheap silver ring, understand the stores reputation by checking with others that have made purchases including friends or relatives. A store's 'standing' in your community is an important factor to consider prior to making a purchase. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. The BBB is an excellent source of investigation on a business. You ant your jeweler to have a gemological and appraisal certificate.

For online stores, look for their Better Business Bureau Reliability seal whether you are regardless whether you are buying a bracelet, a string of pearls, a watch or cheap silver ring. Always get the particulars related to your purchase documented in case there is a dispute. Talking with a representative of the web store is always a good idea so that you have some personal contact. Further to the telephone call, be sure that the purchase is well documented including all representations. With all that accomplished, wear that jewelry or cheap silver ring as often as possible.