To dream of seeing or wearing a pendant represents a personal or unconditional commitment. The reason you are so committed to something. Feeling good being noticed by others as being committed to a person or situation.
Negatively, dreaming about a pendant may be a sign that you a taking a commitment or promise too personally. Drawing too much attention to yourself for something you are committed or loyal to.
To dream of a cross or crucifix pendant may reflect issues with wanting to be noticed by others as being willing to sacrifice yourself completely for someone else. Negatively, it may reflect desire for someone you want badly when they don't feel the same way about you. Too much of a willingness to be noticed by others as willing to give everything you have to them.
Consider the pendant's design or appearance for additional meaning.
Example: A girl dreamed of wearing a crucifix pendant on her necklace. In waking life she was concerned with her ex-boyfriend knowing that she would stay single for him.