Size Guide Safety Policy Care InstructionsCrafted in luxurious gold vermeil, The Charmer Coins & Initials necklace offer a blend of personalized style and symbolism. With three unique lucky charms and customizable initials, this piece can be adapted and layered with ease, making it uniquely yours. Find more initial necklaces for your collection.Gold Vermeil: Gold vermeil provides that lux look you love at a great price. This piece has a thick layer of 18K gold (up to 5 times more than regular plating) over 925 sterling silver.