Sterling silver will tarnish and on
Sterling silver will tarnish and on some people it tarnishes quickly due to body chemistry, but on others it may never tarnish. To keep tarnish from happening, sterling is very often plated with another metal to protect the sterling and keep the tarnish from happening. The plating will be a metal called “rhodium” which is very bright or another metal recently used on silver that looks more the color of silver. However, the chain can be sterling and still have the plate on the outside to prevent tarnish.
Other than that, the only real way to tell if something is sterling silver is to test it. For example, like an acid test done by a jeweler. Generally a test will cost some money, not a lot, but maybe not worth it, depending on what you paid for the chain. On a large heavy chain, the test might be worth it, but that’s all up to you.
I suggest thinking about where you got the chain from and whether or not you got it from an established business. An established business would serve little purpose in selling anything fake for sterling silver. Always look for both a sterling marks and a stamp or symbol for the manufacture as I said before. Both of those marks should be there.
Here’s some information on how to tell if the gold on your bracelet is really gold. The chlorine in bleach is dangerous to gold jewelry, so it’s best not to test gold in bleach, or else you’ll ruin your jewelry. Stress points like where the metal has been hammered, bent over stones in prongs, formed by chain making machines and the like are the most affected by chlorine. Soldered areas are sometimes affected by chlorine. White gold is most easily damaged but apparently this happens with yellow gold also at stress points in the metal.
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