Is a 20-inch necklace too long for a woman?

No, a 20-inch necklace isn't too long for a woman. Called matinee length, the 20-inch necklace will usually fall below the collarbone and can be an attractive option for work or casual occasions. People with short necks may actually prefer this length because it helps to visually elongate the neckline. A 20-inch necklace can also be a good choice for creating layered necklace effects. Find a wide variety of necklaces on 1stDibs.