{"id":11101,"date":"2024-10-25T16:41:39","date_gmt":"2024-10-25T16:41:39","guid":{"rendered":"https:\/\/cardvcc.com\/?p=11101"},"modified":"2024-11-03T17:15:55","modified_gmt":"2024-11-03T17:15:55","slug":"credit-card-charge-off-meaning","status":"publish","type":"post","link":"https:\/\/cardvcc.com\/?p=11101","title":{"rendered":"Credit Card Charge Off Meaning: What You Should Know"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>A credit card charge-off means the lender has deemed the debt unlikely to be collected. It happens after significant missed payments.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Credit-Card-Charge-Off-Meaning.webp\" alt=\"Credit Card Charge Off Meaning\" class=\"wp-image-11147\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Credit-Card-Charge-Off-Meaning.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Credit-Card-Charge-Off-Meaning-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Credit-Card-Charge-Off-Meaning-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card charge-offs occur after six months of non-payment. This affects your credit score negatively. Lenders report the account as a loss. This doesn&#8217;t erase the debt. Collection agencies often buy these debts. They aggressively pursue repayment. Credit card charge-offs stay on credit reports for seven years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This makes future credit approval difficult. It&#8217;s crucial to address missed payments early. Contact your lender to explore options. Payment plans or settlements may be available. Avoiding charge-offs can save your financial health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Introduction To Credit Card Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card charge off can cause stress and confusion. This guide will help you understand what it means and clear up common myths.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Basic Definition<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>credit card charge off<\/strong> happens when you stop paying your credit card bill. The bank or lender gives up hope of getting paid. They mark your debt as a loss. This usually happens after six months of missed payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even though the bank writes off the debt, you still owe the money. The debt is often sold to a collection agency. They will try to collect the debt from you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common Misconceptions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many people think a charge off means the debt is gone. This is not true. You still owe the full amount. You also get a negative mark on your credit report.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another myth is that you can ignore a charge off. Ignoring it can lead to more problems. Collection agencies might sue you. Your credit score can drop even more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some key points to remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A charge off does not erase your debt.<\/li>\n\n\n\n<li>Your credit score will suffer.<\/li>\n\n\n\n<li>Debt collectors can still contact you.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How Charge Offs Occur<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how charge offs occur is crucial for credit card users. A charge off can severely impact your credit score. Let&#8217;s break down the process step by step.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Timeline And Process<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>timeline<\/strong> of a charge off starts with missed payments. Initially, your credit card issuer will send reminders. These reminders usually begin after 30 days of non-payment. Below is the typical timeline:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Days Past Due<\/th><th>Issuer Action<\/th><\/tr><tr><td>30 Days<\/td><td>First Reminder<\/td><\/tr><tr><td>60 Days<\/td><td>Second Reminder<\/td><\/tr><tr><td>90 Days<\/td><td>Final Reminder<\/td><\/tr><tr><td>120-180 Days<\/td><td>Charge Off<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">After 120 to 180 days of non-payment, the credit card issuer will charge off the debt. This means they write it off as a loss. The debt is still owed but the issuer gives up on collecting it themselves.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bank&#8217;s Role<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>bank&#8217;s role<\/strong> in a charge off involves several steps. They first try to collect the debt internally. If that fails, they may hire a collection agency. Below are the actions a bank might take:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sending multiple reminders<\/li>\n\n\n\n<li>Charging late fees<\/li>\n\n\n\n<li>Reporting the delinquency to credit bureaus<\/li>\n\n\n\n<li>Engaging collection agencies<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Once the debt is charged off, the bank may sell it to a collection agency. This agency will try to collect the debt from you. The <a href=\"https:\/\/cardvcc.com\/what-is-a-charge-off-on-a-credit-card\/\" data-type=\"link\" data-id=\"https:\/\/cardvcc.com\/what-is-a-charge-off-on-a-credit-card\/\">charge off<\/a> remains on your credit report for seven years, impacting your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Impacts On Credit Score<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A credit card charge-off can severely hurt your credit score. Understanding its impacts is crucial. Let&#8217;s explore the immediate and long-term effects on your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Immediate Effects<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When a credit card is charged off, your credit score drops. This drop can be significant. A charge-off indicates you failed to pay your debt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Creditors<\/strong> report a charge-off to credit bureaus. This report stays on your credit history for seven years. During this period, getting new credit becomes very hard.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Impact<\/th><th>Details<\/th><\/tr><tr><td>Credit Score Drop<\/td><td>Immediate and significant<\/td><\/tr><tr><td>Credit History<\/td><td>Negative mark for seven years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Long-term Consequences<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The long-term consequences of a charge-off are severe. Your <strong>creditworthiness<\/strong> remains affected for years. Lenders view you as a high-risk borrower.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hard to get a new credit<\/li>\n\n\n\n<li>Higher interest rates<\/li>\n\n\n\n<li>Possible denial of loans<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Over time, a charge-off can affect more than just credit. It can impact your ability to rent a home or even get a job.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rebuilding your credit<\/strong> after a charge-off takes time. Consistent, on-time payments help improve your score slowly. Be patient and persistent in improving your credit health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dealing With A Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>credit card charge-off<\/strong> can impact your financial health. It happens when you fail to pay your debt for several months. The credit card company writes off the debt as a loss. This doesn&#8217;t mean the debt goes away. It still exists and affects your credit score. Dealing with a charge-off requires a plan and open communication with creditors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Negotiating With Creditors<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Start by contacting your <strong>creditors<\/strong>. Explain your situation honestly. Ask if they can remove the charge-off from your report. Offer to pay a portion of the debt upfront. This can sometimes lead to a settlement. They may agree to mark your account as &#8220;paid&#8221; or &#8220;settled&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep all communications in writing. This ensures you have proof of any agreements. Be polite and professional in your requests.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment Plans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If a lump sum payment isn&#8217;t possible, ask about a payment plan. Break the debt into smaller, manageable amounts. This makes it easier to pay off over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Create a budget to ensure you can meet these payments. Stick to your budget and avoid incurring new debts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Payment plans show creditors you are serious about paying your debt. This can sometimes lead to better terms and conditions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-meaning-in-banking.webp\" alt=\"charge-off meaning in banking\" class=\"wp-image-11145\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-meaning-in-banking.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-meaning-in-banking-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-meaning-in-banking-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Legal Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>credit card charge-off<\/strong> has many consequences. One of these is the <strong>legal implications<\/strong> for consumers. Understanding these legal aspects can help you manage the situation better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consumer Rights<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Consumers have specific rights, even after a <strong>credit card charge-off<\/strong>. These rights protect you from unfair practices.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have the right to dispute inaccurate information.<\/li>\n\n\n\n<li>You can request proof of the debt.<\/li>\n\n\n\n<li>Collectors must provide a written notice of the debt.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing your rights can help you take the right steps. Always keep a record of all communications with collectors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Debt Collection Laws<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Debt collection is regulated by laws to ensure fair treatment. The <strong>Fair Debt Collection Practices Act (FDCPA)<\/strong> is one such law.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Provision<\/th><th>Details<\/th><\/tr><tr><td>Communication<\/td><td>Collectors cannot contact you at odd hours.<\/td><\/tr><tr><td>Harassment<\/td><td>Harassing or abusive behavior is illegal.<\/td><\/tr><tr><td>Validation<\/td><td>Collectors must validate the debt in writing.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding these laws can help you recognize unfair practices. If a collector violates these laws, you can report them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rebuilding Credit After A Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rebuilding credit after a charge off can seem daunting. But it&#8217;s possible with the right steps. A charge off means the lender has given up on collecting the debt. It appears as a negative mark on your credit report. This affects your credit score significantly. Yet, you can turn things around.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Effective Strategies<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some effective strategies to rebuild your credit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pay Off Outstanding Debts:<\/strong> Settle any remaining balances. This can show lenders you are responsible.<\/li>\n\n\n\n<li><strong>Check Your Credit Report:<\/strong> Look for errors and dispute them. Accurate information is crucial.<\/li>\n\n\n\n<li><strong>Set Up Payment Reminders:<\/strong> Ensure you never miss a payment again. Timely payments help improve your score.<\/li>\n\n\n\n<li><strong>Use a Secured Credit Card:<\/strong> This card requires a deposit. It helps you rebuild credit with responsible use.<\/li>\n\n\n\n<li><strong>Keep Credit Utilization Low:<\/strong> Use less than 30% of your credit limit. This shows you manage credit well.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Timeframes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Rebuilding credit takes time and patience. Here is what to expect:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Action<\/th><th>Timeframe<\/th><\/tr><tr><td>Paying off charge offs<\/td><td>Immediate improvement<\/td><\/tr><tr><td>Correcting errors on a credit report<\/td><td>30-45 days<\/td><\/tr><tr><td>Using a secured credit card<\/td><td>6-12 months of responsible use<\/td><\/tr><tr><td>Maintaining low credit utilization<\/td><td>Continuous<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit score might improve within months. Consistency is key. Follow these steps and stay patient. You will see progress.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preventing Future Charge Offs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Preventing future charge offs is crucial for maintaining a good credit score. It also helps in avoiding financial troubles. This section will provide you with essential tips and insights.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Financial Management Tips<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Good financial management can prevent charge offs. Here are some tips:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Budgeting:<\/strong> Create a monthly budget to track your spending.<\/li>\n\n\n\n<li><strong>Emergency Fund:<\/strong> Save money for emergencies.<\/li>\n\n\n\n<li><strong>Pay on Time:<\/strong> Always pay your bills before the due date.<\/li>\n\n\n\n<li><strong>Monitor Statements:<\/strong> Regularly check your credit card statements.<\/li>\n\n\n\n<li><strong>Limit Credit Use:<\/strong> Use <a href=\"https:\/\/en.wikipedia.org\/wiki\/Credit_card\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/en.wikipedia.org\/wiki\/Credit_card\" rel=\"noreferrer noopener nofollow\">credit cards<\/a> only for essential purchases.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Early Warning Signs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Identifying early warning signs can help you act quickly. Look out for these signs:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Missed Payments:<\/strong> Missing one or more payments is a red flag.<\/li>\n\n\n\n<li><strong>Maxed Out Cards:<\/strong> Using up your credit limit indicates trouble.<\/li>\n\n\n\n<li><strong>Debt Collection Calls:<\/strong> Frequent calls from collectors show financial distress.<\/li>\n\n\n\n<li><strong>Only Minimum Payments:<\/strong> Paying only the minimum can lead to bigger problems.<\/li>\n\n\n\n<li><strong>High Credit Utilization:<\/strong> Using more than 30% of your credit limit is risky.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">By following these financial management tips and recognizing early warning signs, you can avoid future charge offs and maintain a healthy financial life.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Resources For Help<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the meaning of a <strong>credit card charge off<\/strong> is crucial. If you&#8217;re facing this issue, there are resources available to help. This section covers various resources to help manage or recover from a credit card charge.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit Counseling Services<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Credit counseling services<\/strong> offer professional advice. They guide you in managing your debts. These services often provide a personalized plan. They help you create a budget and offer debt management programs. Many agencies are non-profit and offer free or low-cost services.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Service<\/th><th>Description<\/th><th>Cost<\/th><\/tr><tr><td>National Foundation for Credit Counseling (NFCC)<\/td><td>Provides educational resources and debt management plans.<\/td><td>Free or low-cost<\/td><\/tr><tr><td>Money Management International (MMI)<\/td><td>Offers counseling and educational programs.<\/td><td>Free initial consultation<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Online Tools And Apps<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many <strong>online tools and apps<\/strong> can assist with managing debts. These tools help you track spending and create budgets. Some apps also offer reminders for due dates. Here are a few popular ones:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mint:<\/strong> Tracks spending and creates budgets.<\/li>\n\n\n\n<li><strong>You Need A Budget (YNAB):<\/strong> Helps you allocate income to expenses.<\/li>\n\n\n\n<li><strong>Credit Karma:<\/strong> Monitors your credit score and offers tips.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These tools are easy to use. They provide real-time updates on your financial status. Many of these apps are free or have minimal charges.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"531\" src=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/why-you-should-never-pay-a-charge-off-1.webp\" alt=\"why you should never pay a charge-off\" class=\"wp-image-11146\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/why-you-should-never-pay-a-charge-off-1.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/why-you-should-never-pay-a-charge-off-1-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/why-you-should-never-pay-a-charge-off-1-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions of Credit Card Charge Off Meaning<\/h2>\n\n\n\n<div class=\"wp-block-rank-math-faq-block\"><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">What Is A Credit Card Charge Off?<\/h3><div class=\"rank-math-answer\">A credit card charge off occurs when a creditor deems your debt unlikely to be collected. It typically happens after 180 days of non-payment. Your account is closed and the debt may be sold to a collection agency.<\/div><\/div><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">How Does A Charge Off Affect Credit Score?<\/h3><div class=\"rank-math-answer\">A charge off significantly lowers your credit score. It remains on your credit report for seven years. This negative mark can make it harder to get new credit.<\/div><\/div><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">Can You Remove A Charge Off From Your Credit Report?<\/h3><div class=\"rank-math-answer\">Yes, it is possible to remove a charge. You can negotiate with the creditor or dispute inaccuracies with credit bureaus. Working with a credit repair service can also help.<\/div><\/div><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">Is A Charge Off The Same As Debt Forgiveness?<\/h3><div class=\"rank-math-answer\">No, a charge off is not debt forgiveness. You still owe the debt even after it is charged off. Creditors may pursue collections or lawsuits.<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding the meaning of a credit card charge-off is essential for financial health. It impacts your credit score significantly. Always manage your credit responsibly to avoid charge-offs. If faced with one, work towards settling the debt. Stay informed and proactive to maintain a strong financial future.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A credit card charge-off means the lender has deemed the debt unlikely to be collected. It happens after significant missed payments. Credit card charge-offs occur after six months of non-payment. This affects your credit score negatively. Lenders report the account as a loss. This doesn&#8217;t erase the debt. Collection agencies often buy these debts. They [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11101","post","type-post","status-publish","format-standard","hentry","category-virtual-credit-card"],"_links":{"self":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/11101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11101"}],"version-history":[{"count":0,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/11101\/revisions"}],"wp:attachment":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}