All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad, sallallaahu ‘alayhi wa sallam, is His Slave and Messenger.
It is impermissible for women to use gold key chains for this implies extravagance and arrogance and also breaks the hearts of the poor. Rather, women are permitted to use gold for adornment purposes only, provided that there is no exaggeration.
Having stated that using gold and silver utensils is prohibited, the author of Zaad Al-Mustaqni‘ said: "Likewise, (it is prohibited to use gold) tools, such as inkwell, pen, snuff box, lamp, brazier, censer, kohl stick, and so on."
Allaah Knows best.