Menu
Apply Online

Frequently Asked Questions

What are the requirements to open an account?
To be eligible for a line of credit of up to $5,000 you must meet four simple qualifications:
1) Be at least 18 years of age,
2) have a valid picture ID,
3) have verifiable income and
4) have a minimum of $20 down.


Do I need to have good credit to qualify for an account?
Definitely not, we have a credit plan that’s right for you. Regardless of your credit situation (good credit, bad credit or no credit) we will customize a credit plan to fit y our needs.

Can you help me even if I’ve had a bankruptcy?
Yes, we are committed to giving people a chance to get back on track with their credit and their lives. This is why we have credit plans designed to help those in need, even when all others have turned them down. Diamond City will help you reach your goal of owning beautiful jewelry while helping you re-establish your credit.

What if I don’t have a down payment?
We will work with you and open your account. We understand that everyone has different financial situations and have many customized financing options available.

What type of payment options do you have?
We try to make our payment options as easy as possible. You can come in person and make your payment using a credit card, debit, check, money order or cash. You can also set up your payments using our automated payment system. Our customer service specialists will assist you with finding the best method and can set you up according to your pay periods, financial situation and budget.

What’s the catch?
There is no catch. We genuinely want to help people own beautiful jewelry so they can create a lifetime of memories while establishing a great credit rating.

How will having a Diamond City Jewelers account benefit my credit?
We report your account to a major credit bureau as a revolving credit account. As you make payments to your account, we will improve your credit rating and enhance your credit score.

How much do I have to put as a down?
Our down payments start at zero. We work with any budget and will tailor a down payment plan that you can afford.

If I have a very low credit score can I still be approved?
Yes! We have a credit plan for everyone. It's not your credit score we worry about; it’s how serious you are about re-establishing your credit that’s important to us. We trust you for who you are today, not for what happened in your past. Any credit score is okay with us as long as you have a serious desire to improve your credit.

What if I am on a fixed income, will I still be approved?
Some of our best customers are on fixed incomes. It's not your income source that pays the bills, it's you, the kind of person you are, your integrity, your intentions, your goals and your honor in keeping your word.

What happens if I have an account with you, I lose my job or something happens that makes me tight on money for a while?
We understand uncontrollable situations happen in life. For this reason, we started this business to help good people with challenged credit situations. If a financial situation occurs, we will work with you and give you options to keep your credit in good standing.

What are your interest rates?
On approved credit we have: six months at 0% interest, 8-10 months at 10% interest and 21.9% interest up to 24 months.

What are your prices like?
Our prices are fair and reasonable. We have some of the best prices in our industry, with everything considered. We are a complete jewelry store, with many benefits and features that add value to the level of service we provide our customers.

What is your guarantee/warranty?
We offer a fully written lifetime guarantee that covers stone replacement (up to 1/2 carat), one time sizing (one size up or down) and free cleaning for life. We also offer free tip adjustment, straightening, polishing, buffing and steaming. All we require is for you to bring in your jewelry for inspections every three months.

What is your return policy?
We have a 30 day even exchange policy and a lifetime full trade-in value towards your future upgrades.

Do you have a trade-in policy?
Yes, in fact we have the best trade up policy in the industry. We will let you trade in your previous purchase for your full 100% purchase price towards any item double in value (watches excluded).

What if I want to purchase more after I have an open account?
We make it easy to purchase more beautiful jewelry after you open an account with Diamond City Jewelers . We set you your credit limit once you open your initial Diamond City credit account. After five months of perfect payments, your initial credit limit will be increased by $300. Then every three months, as you pay as agreed, we will raise your credit limit an additional $300. Eventually leading up to a $10,000 credit limit.

What is your selection like?
We have a huge selection of bridal sets, engagement rings, promise rings, diamond fashion rings, birthstone rings, watches, diamond earrings, diamond hybrid rings, diamond hybrid earrings, 14 kt gold, 10 kt, gold and silver with gold overlay. Our website offers a very small fraction of what we actually carry in our store. We have 14 cases with beautiful jewelry starting from $59 up to $20,000.

What is your quality like?
We carry top brand names such as Valina, Costar, Camelot and Tasha bridal lines. These lines feature 14 kt Italian gold, 10 kt gold and platinum items. These quality jewelry lines also come with a guarantee and warranty.

Is the jewelry real?
Yes, we have real jewelry and fashion jewelry starting at $59 and up. We have bridal sets with diamonds and gold in both 10 kt and 14 kt. If we don't have it we can order it and have it made. We also have a jeweler/goldsmith that does custom work if you would like to design your own jewelry.

Do you do custom work?
Our jeweler/goldsmith is one of the top in the country and can custom make any item from scratch. If you can dream it or show us a picture of it, he can make it.

What kind of diamond quality do you have?
Diamonds come in several different qualities. We carry all qualities and can order anything that you desire. If we don’t have it in store, we can quickly get it. We also carry 100 % conflict free, green, environmentally clean diamond hybrids.

How long does it take for sizing or repairs?
Our turnaround time is very quick as we have our own local jeweler. Our turn-around time is usually between one to two weeks.

Do you offer cleaning or restoration?
Yes, for no extra cost we will inspect and clean your jewelry. We will also lightly straighten, polish, buff, steam and/or run it through the ultrasonic all for free while you wait.

Do you fix watches and replace batteries or bands?
Yes, we can do any type of watch repair you want. We specialize in Rolex, Citizen, Movado and all other brands. If you need a battery, watch band or complete overhaul, we can help.

Do you buy gold or diamonds?
Yes and you can come in for a free estimate. Diamond City Jewelers pays top dollar for your gold and diamonds and we’ll pay you cash on the spot.

How long have you been business?
Diamond City opened November 9th, 2013. The owner, Rick Pedro, has been in the jewelry business since October 25, 1985. He has opened over 22 stores for other companies and recently decided to open his own store to service our community. The Assistant Manager, Maria, has been in the business for over 20 years. Our plan is to open five stores in Northern California and eventually launch a complete e-commerce online site. For now, we are your family friendly, locally owned and operated jewelry store.

Do you offer any discounts or specials?
We offer many discounts and constantly offer new specials. We love to show our appreciation and will give you 10% off your first purchase or 25% off for cash or credit card purchases. As a valued customer you will receive monthly promotions which may include free jewelry, gifts, certificates or drawings. You will receive 10% off any future purchases for life.