So many factors can cause the tarnishing of stainless steel. So, if you expose such jewelry to harsh environments, you will notice the impact after some time. It might take a long because of the chromium and protective film. In addition, elements like chlorine tarnish stainless steel. Neither will harsher acids spare it. Continuous exposure to heavy objects and abrasion is another factor. Stainless steel tends to scratch and wears out if you stop cleaning and polishing it.