Sterling silver is most likely to tarnish. Keep in mind that the oils on your skin, chemicals in lotions, soaps, and chlorine can have a major effect on your silver tarnishing. Don't be scared though! You can use any silver polish to bring your piece back to life. Liquid tarnish remover is the best way to get into all the nooks and crannies of your jewelry. Gold-filled is less likely to tarnish, but will need regular cleanings to keep your piece shiny. Stainless steel does not tarnish. Give it a good cleaning with some soap and water and you should be good to go!