Before 'pulling the trigger' on that jewelry buy, be sure you learn all you can about the citi platinum card or whatever you are purchasing be it gold, silver, platinum or just gemstones. 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. Always get everything you relied upon related to the purchase in writing (e.g. sales receipt; gemological report; purchase details).

Investigate the 'store' from whom you are making a purchase. Whether it's a brooch, pendant, necklace or citi platinum card, understand the stores reputation by checking with others that have made purchases including friends or relatives. Check out the store's reputation in your area. Determine what professional trade groups your jeweler belongs and what the requirements are of membership. 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 citi platinum card on the Internet, look for a BBB Reliability seal to indicate membership in the BBB. 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. In addition to the phone conversation, get everything in writing. Closing remark - your recipient of citi platinum card is one lucky person!