Thanks everyone for your input. I wasn't aware of any bangle "issues" until now and had I been so, it would have probably affected my purchasing decision.
Thanks. Perhaps all SAs should be more forthcoming with this info.
You were lucky you were able to exchange. I will try too. It's true; now that I think about it, I had no scraches with the pave charms only. It's when I introduced the 5 screw on charms that it happened and quite rapidly. I do miss the minimalist look of the bangle with a few charms only, so might just stick to the paves/openworks/dangles if I am lucky enough to swap for a new one.
I will give it a shot Tabitha, as I bought just a few days short of a month. It looks horrible now; not only lacklustre and matt but kind of yellowy too, like white gold when the rhodium plating wears off. I don't get that. Spoke to SA over here and she just said that all smooth surfaced charms and jewellery get loads of scratches due to the softness of silver. She then tried to polish it but to no avail.
I can't imagine what it would look like in a year...
Good luck with the exchange, although they may just say its normal wear and tear! If they give you a new one, you will get less scratching with non threaded charms.