I must admit I usually take the easy way out with the polymer clay pendants I have made.  Glue-on metal bails rock. But there are other ways.  This  pendant tutorial with inbuilt bail is by Gloria Uhler of Domestic Diva Online.  The fold-over style is achieved with a wooden skewer which keeps the gap during baking.

Those wooden skewers also come in useful for the matching cylindrical beads!

Before You Go:

Original Post by THE BEADING GEM
Jewelry Making Tips - Wire JewelryTips  -Jewelry Business Tips