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Frequently Asked Questions
What happens if I have an item on loan to me that I love so much that I want to keep it and purchase it?
What happens if I want to upgrade my membership fee in the middle of my billing cycle?
How can I downgrade my membership level?
What should I do if an item arrives damaged?
How can I be sure that my borrowed items will make it safely back to you and who is responsible if they don’t?
If I have a question about a credit or error in billing what should I do?
How does the billing system work? How will I know what I am to be charged and when?
What should I do if I see an item I like but I would like to request it in a different size or color, or if I want a pendant put on another type of chain, etc.?
When and how am I allowed to cancel my membership?
How long am I allowed to keep the same item out on loan?
I see an item I really want to borrow but it is currently out of stock. What should I do?
What happens if I break or damage an item, or if an item gets lost?
What do I need to do to send an item back to you?
What if I want to get some of the items seen on your website but I do not want to become a member and incur monthly membership fees?
What are my rights to privacy when I sign up with so much personal information on your site?
I want to become a member, but I do not own a credit card. Is there any other way that I can become a member?
How do I know when I will be charged my membership fees each month?
How will I know what items I have borrowed or bought in the past?
How will I know that my returned items made it back safely to you and when I am able to go back in and check out new items?
Why am I sometimes charged one $9.99 round trip shipping fee when I borrow items and other times I am charged this fee twice in one week?
What if I don’t want to make a trip to my local UPS counter when I wish to send items back to you? Is there any way to have them come right to my home or office?

What happens if I have an item on loan to me that I love so much that I want to keep it and purchase it?

You can log back into the site and go to you're My Account page and click into the BORROWING HISTORY link on the left of the page, on top of the red curtains. There you will see a list of your "Current Borrowed Items" and on the far right side of each item is a link to BUY these items when you are ready. If you convert a borrowed item to a purchase item before your first 30 days of borrowing is up, then we will apply half of your monthly membership fee to the purchase of the item.


What happens if I want to upgrade my membership fee in the middle of my billing cycle?

You are welcome to upgrade your membership level at any time. Just go into your MY ACCOUNT page where it will offer you to change your membership level – you can click to have your membership level upgraded that same day. As soon as you do that we will charge you the remaining balance of your upgraded level fees and your new billing cycle will start as of this new day. For example if you are a Countess level member with a billing cycle that charges you on the 10th of each month and you upgrade your membership level to the Movie Star level on the 18th of the month then you will automatically be charged $70 (the difference between the Movie Star $99.95 membership fee and the $29.95 you already paid as a Countess member). Now your billing date will be the 18th of each month and no longer will be the 10th of each month. So, on the 18th of the next month you will be charged the new $99.95 rate, now that you have raised your membership level to the highest level.


How can I downgrade my membership level?

Log into you're MY ACCOUNT page and you will see a place to change your membership level. You can choose to downgrade to a lower level at any point in time and enter this into our site, but keep in mind that the site will not be able to officially reflect your membership downgrade until all of your currently borrowed items are returned safely to us and checked back in. Once that is done then we will begin to bill you at the lower membership rate on the date of your next billing cycle. So if you downgrade on the 1st of the month and your billing cycle begins on the 12th of each month, but you don't get your items back to us until the 15th of the month, then you will not see the lower price being billed until the 12th of the following month. However, had you gotten your borrowed items back to us by the 11th in good condition then you would have seen the lower billing amount the very next day, when your billing cycle occurs on the 12th of the month. We do not offer any partial month credits, so no matter when you downgrade your membership you will not see the lower fee being billed to you until your next billing cycle is ready to begin.


What should I do if an item arrives damaged?

Send us an email or place a call to us right away. You must notify us within 24 hours of delivery in order for us to cover the $9.99 fees to get the item back to us and to get a replacement item out to you. If we have the exact same item in stock we will be happy to send a replacement. Otherwise you will be welcome to borrow or select another item in its place. However, keep in mind that every item is carefully inspected before they get shipped out to you and we do not expect any item to arrive to you in a damaged condition.


How can I be sure that my borrowed items will make it safely back to you and who is responsible if they don’t?

We send all items to you with a pre-paid UPS label that is trackable and insured against loss or damage (as long as you pack it the same way we sent it to you). Therefore you can take the package to any UPS location and give it to a clerk or drop it in a UPS pick up box or counter. As soon as that tracking number gets scanned into the UPS computer system you are no longer responsible for it if it gets lost. However you must be able to prove that the item did get checked into the UPS system (if it does somehow get lost and not show up) so we strongly recommend that you visually see the UPS personnel scan the bar code into their machine while you are present. If you prefer to have the UPS driver come to your home or business to pick up the return package in person then the $9.99 round-trip shipping fee goes up to $14.99 because UPS has an additional fee for that. You can select this shipping option at the time of check out in the drop down shipping selector.


If I have a question about a credit or error in billing what should I do?

Please send us an email that includes your name and account number, as well as the specific amount or item you are questioning. The more information you provide for us the better we can serve you. We will respond to each email within 24 – 48 hours via phone or email, so it is crucial that you provide accurate ways to reach you when you first register with us.


How does the billing system work? How will I know what I am to be charged and when?

You will see a charge on your credit card statement on the same day each month (usually the day you first signed up with us) under the name Borrowed Bling. The charge will be $29.95 if you are a Countess member, $49.95 if you are a Duchess member and $99.95 if you are a Movie Star member. You will also see $9.99 fees coming through whenever you check out new items with us, which covers the round trip shipping costs for each new package to go out to you and to come back to us. If you choose to borrow a premium item (only for Movie Star members) then you will also see an additional $99 - $149 (depending on the item) each month that you keep it out on loan. From time to time you may also incur $4.99 charges for lost jewelry boxes or leather purse pouches, if you do not send them back to us with your items.


What should I do if I see an item I like but I would like to request it in a different size or color, or if I want a pendant put on another type of chain, etc.?

We will always take your requests under serious consideration and will work hard to accommodate them whenever possible. Feel free to email or call us with any desires for new product, or to request changes to current product. There is also a place for you to type in COMMENTS at the bottom of each order if you want a specific length chain or to ask a question about the product you are borrowing or buying.


When and how am I allowed to cancel my membership?

You can cancel your membership at any time, after your “Initial Term” requirement is met, which is the first 3 months of your membership. After you have been a member for 3 months you are welcome to send us an email with your name and membership information letting us know you wish to cancel. This notice must come at least 14 days prior to your next billing date or we cannot guarantee that we will be able to process your request before the next payment is due and you will incur membership fees until the following month. Cancellations cannot come in by phone and must be submitted in writing via email with 14 days prior notice. You will always get an email confirmation of your request. If you do not get this within 48 hours of submitting your request to cancel your membership please do not consider your request received and make sure to follow up with us via email or phone.


How long am I allowed to keep the same item out on loan?

You can keep out items as little as a few days, or as long as 4-months. Many of our items are one-of-a-kind or are only available in very limited quantities and we have many people waiting to get them. Therefore we ask that you don’t hold onto your items for more than 4 months at a time. If you wish to keep an item longer than that you may wish to consider purchasing the item and keeping it as your own. If you have a special circumstance arise and you truly need an item for a little while longer then the recommended 4-month term, please call or email us to request this and we will try to accommodate you. But keep in mind that the faster you get items back to us, the quicker you can begin to borrow more.


I see an item I really want to borrow but it is currently out of stock. What should I do?

You can keep track of items you want to remember to borrow at a later date by adding them to your WISH LIST, which is available as a link on the item’s detail page. Then, as soon as you see that this item is back in stock you can easily click into it on your wish list page and borrow or buy it. You can also email us about any item you wish to purchase or borrow, to let us know that you are eagerly awaiting it to come back into stock and we will make a note to contact you as soon as it comes back in, or sometimes we may even be able to get another one in especially for you.


What happens if I break or damage an item, or if an item gets lost?

Routine wear and tear is not considered damage. Something as simple as a stone coming out, or a link breaking is not something we will hold you responsible for or bill you for. Something is only considered damaged when it is broken beyond repair or when it is broken to the point where it is quite costly for us to repair it. This can happen when a crystal purse is dropped onto a hard surface and chucks of stones come off, or a lock gets broken off. It can also happen when a piece of jewelry gets stepped on or bent into strange configurations and entire pieces come apart. In these cases we will bill you for the actual cost of repairs at our own discretion, which can be as low as $20.00 or as high as half the cost of the purchase price for the item. We do not make any profit on these repair fees and only charge you our actual costs to fix what was broken. If you treat our items with routine care, and package them the same way that they were sent to you, then you should never expect to be charged for any damages. If an item gets lost somehow while in your possession, or never makes it back to us and you can not show evidence that it was checked in with UPS then you will be held responsible to cover the cost of the loss of the item(s) and you will be charged for the entire purchase price of the item. Also, in some instances of unresolved damage or loss, your account can be put on suspension at our own discretion.


What do I need to do to send an item back to you?

All jewelry items will come to you in a velvet or leather box or pouch, which then get put into a padded shipping envelope. You can throw away this outer envelope because there will be a second, new one, inside with a pre-paid label already on it. Make sure that you keep this return envelope in a safe place because there is a $5.00 fee to re-issue a second envelope and pre-paid return mailing label. Also make sure that you return the jewelry items in their original velvet or leather boxes / pouches because there is a $4.99 charge for any of these that are not returned to us. Most purses come to you in a small shipping box. It is recommended that you keep the original box so that when you are ready to get the item back to us you can just use the return label found inside and return the purse to us back in the same box it came in. There is no additional charge to get these items back to us since your original $9.99 fee covers the roundtrip shipping fees.


What if I want to get some of the items seen on your website but I do not want to become a member and incur monthly membership fees?

You only have to be a member of the site to BORROW items. You do not have to be a member to purchase them. When the site asks you to sign up there will be a drop down menu at the bottom of the page that allows you to select a BUYER ONLY option, which allows you to purchase any item you see, and will not result in reoccurring monthly membership fees.


What are my rights to privacy when I sign up with so much personal information on your site?

You should know that BorrowedBling.com is a secure site and that we do not share, rent or sell any of your information with any other person, company or group, for any reason. You will never be contacted or solicited by another source because you signed up with us.


I want to become a member, but I do not own a credit card. Is there any other way that I can become a member?

Please contact us via phone or email to discuss other options. In some instances it is possible to send a check to us in advance, or use PayPal, or to have your checking account debited. Certain conditions will apply. Call us to discuss these options.


How do I know when I will be charged my membership fees each month?

Simply log into you’re MY ACCOUNT page and you will see the exact date of your next billing date there.


How will I know what items I have borrowed or bought in the past?

Simply log into you’re MY ACCOUNT page and you will see a link to Order History ( to see past purchases) or Borrowing History (to see past borrowed items) on the left side of the page, on the red curtain.


How will I know that my returned items made it back safely to you and when I am able to go back in and check out new items?

You will usually receive an email telling you when your items have reached us successfully, but you can also log into you’re MY ACCOUNT page and click on the BORROWING HISTORY link on the left side of the page. Then look at the bottom half of that page where it says PAST BORROWING HISTORY and there you will see a column that says STATUS. This is where you can see when items have gotten checked back in with us and you will know that you are ready to check out your new items.


Why am I sometimes charged one $9.99 round trip shipping fee when I borrow items and other times I am charged this fee twice in one week?

Whenever you borrow your 2 or 3 allowed items at one time and they can all be sent out in one package then you will only incur one shipping fee. However, if you check out items on different days they can sometimes get sent out in two different shipments and therefore they will incur two separate shipping fees. To save money it is usually wisest to pick all of your items for borrowing at once each time you are ready to borrow new items.


What if I don’t want to make a trip to my local UPS counter when I wish to send items back to you? Is there any way to have them come right to my home or office?

The answer to this question is a simple YES. At the time of check out, each time you borrow items from us, there is a drop down menu for shipping options. If you prefer to have a UPS driver come pick up your package in person then you will need to check the $14.99 fee for shipping instead of the usual $9.99 fee, which will alert us to set it up with UPS in advance so that you’ll be able to call them whenever you are ready to have them come pick your items back up from you. If this is more convenient for you then having to take the items to a UPS location yourself, then feel free to check this $14.99 option on your final check out page.


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