I understand the appeal. You want a stylish piece of jewelry without breaking the bank. I was in the same boat, searching for a durable, masculine 14k gold men's chain necklace to wear every day.
I thought I was clever by snagging an online "bargain." Instead, I ended up learning five costly lessons about plated jewelry, quality control, and why a locket is pointless if the chain snaps within a week. I made these errors so you can save both your time and money.
I was drawn in by chains priced under $40, advertised as "14k Gold Finished." This essentially meant they contained almost no real gold. I made the mistake of pairing one of these ultra-cheap chains with a romantic locket pendant I had bought as a gift:

That was a big error. The plating on the inexpensive chain was so thin it began to fade and develop a greenish tint after just three showers. I realized a $30 chain has only pennies worth of gold coating. Its shine disappeared in less than a week.
Verdict: Don't repeat my mistake. Set a realistic budget. For a piece that lasts, expect to invest more than $80 for a high-quality gold-plated (vermeil) chain or one with a stainless steel core.
When the cheap chain started tarnishing, it dawned on me that I had no clue what metal lay beneath the "14k gold" surface. Sellers often use low-quality brass or copper, which can react with your skin, causing irritation or that unsightly green neck ring.
With plated items, the core metal is paramount. You need to know exactly what you're putting around your neck.
Action Step: Look for 316L.
Trustworthy sellers specify the core metal. The best option for durability and skin safety is 316L Stainless Steel. This material is robust and hypoallergenic. If a listing only mentions "alloy" or omits the base metal, assume it's poor-quality junk.
I used to glance at the star rating—4.5 stars seemed good enough! I overlooked the details, which was a mistake. You need to search for reviews that address three specific points: