Before laying down your 'plastic' to buy a string of pearls or bracelet or earring filigree hoop, read all you can about it so you are a well education purchaser. Match up the quality, customer service and price of competing offers. a. Ask about the store (or online) refund and return policy. f. Don't buy without getting a warranty or guarantee with the item being purchased. Ask for a gemological report for any purchase related to precious gems and a sales receipt.

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 earring filigree hoop. We suggest that you look into the store's standing in your town. Professional trade organizations set 'standards'. Determine if your jeweler is a member of any such organizations. Get a BBB report on your jewelry store prior to making any purchase. Determine if the store's sale people have any gemological and appraisal education.

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 earring filigree hoop. Get all the product details in writing (for example by email) including refund policy. 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. Lastly, wear that jewelry or earring filigree hoop often and enjoy it.