{"id":11157,"date":"2024-10-26T14:24:34","date_gmt":"2024-10-26T14:24:34","guid":{"rendered":"https:\/\/cardvcc.com\/?p=11157"},"modified":"2024-11-03T17:07:16","modified_gmt":"2024-11-03T17:07:16","slug":"charge-off-on-credit-card-what-does-that-mean","status":"publish","type":"post","link":"https:\/\/cardvcc.com\/?p=11157","title":{"rendered":"Charge Off on Credit Card What Does That Mean?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>A charge-off on a credit card means the creditor has deemed the debt uncollectible after missed payments. It significantly impacts your credit score.<\/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\/Charge-Off-on-Credit-Card-What-Does-That-Mean.webp\" alt=\"Charge Off on Credit Card What Does That Mean\" class=\"wp-image-11183\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Charge-Off-on-Credit-Card-What-Does-That-Mean.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Charge-Off-on-Credit-Card-What-Does-That-Mean-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/Charge-Off-on-Credit-Card-What-Does-That-Mean-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A charge-off occurs after several months of missed payments, usually around 180 days. The creditor writes off the debt as a loss. This does not erase the debt; you still owe the money. Creditors often sell the debt to collection agencies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Charge-offs remain on your credit report for seven years. This negatively affects your credit score, making future credit approvals difficult. It&#8217;s crucial to address charge-offs promptly. Negotiating with the creditor or a collection agency can sometimes result in a settlement. Understanding charge-offs can help you manage your finances better and rebuild your credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Introduction To Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding a <strong>charge off<\/strong> on a credit card is crucial for managing your finances. A charge off can impact your credit score. Let&#8217;s dive into what a charge off means.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Definition<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>charge off<\/strong> occurs when a creditor deems your debt uncollectible. This usually happens after 180 days of missed payments. The creditor writes off the debt as a loss. The debt is not forgiven; you still owe the money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Common Misconceptions<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Charge off means the debt is gone<\/strong>: No, you still owe the money.<\/li>\n\n\n\n<li><strong>Charge off improves credit score<\/strong>: No, it lowers your score.<\/li>\n\n\n\n<li><strong>Paying off a charge removes it<\/strong>: Paying it can help, but it won&#8217;t erase the record immediately.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Many people think a charge off means their debt is forgiven. This is not true. The debt remains, and collectors will pursue it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another misconception is that a charge off improves your credit score. It significantly lowers your credit score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paying off a charge shows responsibility. It won&#8217;t remove the charge from your report immediately, but it can improve your standing with creditors.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Charge Off Happens<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how a charge off happens is crucial. It can affect your credit score and financial health. This section will explain the process in simple terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Missed Payments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Missing payments is the first step toward a charge off. Here is how it happens:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First, you miss a payment on your credit card.<\/li>\n\n\n\n<li>Next, you miss more payments over several months.<\/li>\n\n\n\n<li>After 180 days of missed payments, a charge off occurs.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Creditors<\/strong> give you warnings before the charge off happens. They send letters and make phone calls. They want you to pay. If you do not, the charge off process begins.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Creditor Actions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Creditors take specific actions when a charge off happens:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Action<\/th><th>Description<\/th><\/tr><tr><td>Internal Review<\/td><td>Creditors review your account after missed payments.<\/td><\/tr><tr><td>Charge Off<\/td><td>After 180 days, your debt is marked as a charge off.<\/td><\/tr><tr><td>Report to Credit Bureaus<\/td><td>The charge off is reported to credit bureaus.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Your credit score drops significantly. This makes getting new credit harder. Creditors may sell your debt to a collection agency. The collection agency then tries to collect the debt from you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Impact On Credit Score<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>charge on your credit card<\/strong> can significantly impact your credit score. This negative mark tells lenders you failed to repay the debt. Understanding the effects on your credit score helps you navigate financial recovery.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Score Reduction<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once a credit card debt is <strong>charged off<\/strong>, your credit score drops. The drop can be as much as 100 points. This depends on your previous credit history. A higher score before the charge-off means a bigger drop.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The charge-off remains on your credit report for seven years. This long-term effect makes it hard to improve your score quickly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit Report<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The charge-off appears on your <strong>credit report<\/strong> as a derogatory mark. It shows missed payments and unpaid debt. This negative entry alerts future lenders of your past financial behavior.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s a table to illustrate the impact:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Credit Status<\/th><th>Impact on Score<\/th><\/tr><tr><td>Good (700+)<\/td><td>Drop by 100 points<\/td><\/tr><tr><td>Fair (600-699)<\/td><td>Drop by 80 points<\/td><\/tr><tr><td>Poor (below 600)<\/td><td>Drop by 60 points<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Besides the score drop, the charge-off makes it difficult to get new credit. Lenders see you as a high-risk borrower. They may offer less favorable terms, higher interest rates, or deny credit altogether.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To summarize, a charge-off hurts your credit score and report. It lowers your score and leaves a negative mark for years. Always strive to pay your debts on time to avoid this situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Legal Implications<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>charge-off<\/strong> on your credit card can have serious <strong>legal implications<\/strong>. Understanding these implications can help you manage the situation better.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Debt Collection<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When a charge-off occurs, your debt is usually <strong>sold to a collection agency<\/strong>. These agencies are known for their aggressive tactics. They may call you frequently and send numerous letters. They could also <strong>report the debt<\/strong> to credit bureaus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Collection agencies can be very persistent. They may contact your friends or family to locate you. They are legally allowed to do so, but there are rules they must follow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s important to know your rights. Under the <strong>Fair Debt Collection Practices Act (FDCPA)<\/strong>, you have protections. Collection agencies cannot harass you or use abusive language.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Court Actions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If the debt remains unpaid, the agency may take <strong>court action<\/strong>. This usually involves filing a lawsuit against you. If they win, they can get a judgment to <strong>garnish your wages<\/strong> or <strong>seize assets<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A court summons can be stressful. Ignoring it can lead to a default judgment against you. This can severely affect your financial health.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s crucial to respond promptly. You may want to consult a lawyer. They can help you understand your options and rights.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Below is a simple table outlining the steps a collection agency might take:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Steps<\/th><th>Actions<\/th><\/tr><tr><td>1<\/td><td>Contact you via phone or mail<\/td><\/tr><tr><td>2<\/td><td>Report to credit bureaus<\/td><\/tr><tr><td>3<\/td><td>File a lawsuit<\/td><\/tr><tr><td>4<\/td><td>Garnish wages or seize assets<\/td><\/tr><\/tbody><\/table><\/figure>\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-on-credit-card-what-does-that-mean-chase.webp\" alt=\"charge off on credit card what does that mean chase\" class=\"wp-image-11181\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-on-credit-card-what-does-that-mean-chase.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-on-credit-card-what-does-that-mean-chase-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/charge-off-on-credit-card-what-does-that-mean-chase-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Options After Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Facing a <strong>charge off<\/strong> on your credit card can feel overwhelming. But, there are options to consider to regain financial control. Let\u2019s explore some potential solutions you might find helpful.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Debt Settlement<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Debt settlement<\/strong> allows you to negotiate with creditors. You might pay less than the full amount owed. This can be a relief if you struggle with large debts. Here&#8217;s how it works:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Contact your creditor to discuss settlement options.<\/li>\n\n\n\n<li>Offer a lump-sum payment that is less than the total debt.<\/li>\n\n\n\n<li>Get the agreement in writing before making payments.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Debt settlement might reduce your debt, but it can impact your credit score. It\u2019s important to weigh the pros and cons carefully.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payment Plans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Another option after a <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> is setting up a <strong>payment plan<\/strong>. This can help you manage your debt more effectively. Here&#8217;s what to do:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Contact your creditor to discuss payment plan options.<\/li>\n\n\n\n<li>Agree on a monthly payment amount you can afford.<\/li>\n\n\n\n<li>Ensure the payment plan terms are clear and documented.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Payment plans can make debt repayment more manageable. They allow you to pay off your debt over time. Consistent payments can also help improve your credit score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right option depends on your financial situation. Consider consulting a financial advisor for personalized advice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preventing Charge Off<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how to prevent a <strong>charge-off<\/strong> on your credit card is crucial. A charge-off can damage your credit score significantly. By taking proactive steps, you can avoid this financial pitfall. Let&#8217;s explore some effective strategies to prevent charge-offs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Timely Payments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Making timely payments is the first step in avoiding charge-offs. Late payments can lead to penalties and higher interest rates. Consistently paying on time keeps your account in good standing.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Set up automatic payments to ensure you never miss a due date.<\/li>\n\n\n\n<li>Use calendar reminders for manual payments.<\/li>\n\n\n\n<li>Pay more than the minimum amount to reduce your balance faster.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Financial Planning<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Effective financial planning helps in managing your credit card debt. Develop a budget to track your income and expenses. This will help you allocate funds for debt repayment.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Create a monthly budget and stick to it.<\/li>\n\n\n\n<li>Track all your expenses to identify unnecessary spending.<\/li>\n\n\n\n<li>Set aside an emergency fund to cover unexpected costs.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Strategy<\/th><th>Description<\/th><\/tr><tr><td>Automatic Payments<\/td><td>Ensure payments are made on time without fail.<\/td><\/tr><tr><td>Budgeting<\/td><td>Track income and expenses to manage debt effectively.<\/td><\/tr><tr><td>Emergency Fund<\/td><td>Set aside money for unforeseen expenses.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">By following these steps, you can prevent a charge-off on your credit card. A charge-off can affect your financial health for years. Stay proactive and manage your finances wisely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rebuilding Credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">After a charge-off on a credit card, rebuilding your credit is crucial. This section will guide you on the steps to take to improve your credit score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Secured Credit Cards<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Secured credit cards are a great starting point. They require a deposit as collateral. This deposit usually equals your credit limit. By using a secured card, you can build a positive credit history. Make small purchases and pay the balance in full each month. This shows responsible behavior to credit bureaus. Over time, your credit score will improve.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Secured Card Benefits<\/th><th>Details<\/th><\/tr><tr><td>Low Deposit<\/td><td>Most require a deposit of $200 &#8211; $500.<\/td><\/tr><tr><td>Credit Reporting<\/td><td>Reports to major credit bureaus.<\/td><\/tr><tr><td>Upgrade Options<\/td><td>Some offer upgrades to unsecured cards.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Monitoring Credit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Monitoring your credit is vital during the rebuilding phase. Regularly check your credit reports for errors. Dispute any inaccuracies you find. Use credit monitoring services to get alerts on changes. Staying informed helps you manage your credit better.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check credit reports from Equifax, Experian, and TransUnion.<\/li>\n\n\n\n<li>Look for errors and report them promptly.<\/li>\n\n\n\n<li>Use credit monitoring services for real-time updates.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Rebuilding credit takes time and patience. Consistently managing secured <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> and monitoring your credit are key steps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seeking Professional Help<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your credit card has a charge-off, you need help. This step can be a lifeline. Professionals can guide you through this tough time. Below are two ways you can seek professional help.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit Counseling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Credit counseling<\/strong> helps manage your debt. A credit counselor offers advice. They can help you make a budget. They will work with your creditors. They may set up a payment plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some benefits of credit counseling:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personalized advice<\/li>\n\n\n\n<li>Lower interest rates<\/li>\n\n\n\n<li>Debt management plans<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A credit counselor can help you understand your options. They will help you make smart choices.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Legal Advice<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Legal advice<\/strong> can be crucial. A lawyer can help you understand your rights. They can advise on bankruptcy. They can negotiate with creditors on your behalf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some benefits of seeking legal advice:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understanding your legal rights<\/li>\n\n\n\n<li>Guidance on bankruptcy<\/li>\n\n\n\n<li>Representation in negotiations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Legal advice can be costly. But it can also save you from more debt.<\/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\/what-is-a-charge-off-on-a-credit-card.webp\" alt=\"what is a charge-off on a credit card\" class=\"wp-image-11182\" srcset=\"https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/what-is-a-charge-off-on-a-credit-card.webp 1024w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/what-is-a-charge-off-on-a-credit-card-300x156.webp 300w, https:\/\/cardvcc.com\/wp-content\/uploads\/2024\/10\/what-is-a-charge-off-on-a-credit-card-768x398.webp 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/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 Charge Off On A Credit Card?<\/h3><div class=\"rank-math-answer\">A charge off on a credit card happens when a creditor deems a debt uncollectible. They write it off as a loss.<\/div><\/div><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">How Does A Charge Off Affect My Credit?<\/h3><div class=\"rank-math-answer\">A charge off negatively impacts your credit score. It stays on your credit report for seven years.<\/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\">You can try to negotiate with the creditor. Paying off the debt may improve your chances of removal.<\/div><\/div><div class=\"rank-math-faq-item\"><h3 class=\"rank-math-question\">Is A Charge Off The Same As A Closed Account?<\/h3><div class=\"rank-math-answer\">No, a charge off means the debt is written off as a loss. A closed account simply means it&#8217;s no longer active.<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding a charge-off on your credit card is crucial. It impacts your credit score significantly. Always monitor your credit report. Take steps to resolve charge-offs promptly. This will help maintain a healthy financial future. Staying informed can prevent future financial setbacks.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A charge-off on a credit card means the creditor has deemed the debt uncollectible after missed payments. It significantly impacts your credit score. A charge-off occurs after several months of missed payments, usually around 180 days. The creditor writes off the debt as a loss. This does not erase the debt; you still owe the [&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-11157","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\/11157","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=11157"}],"version-history":[{"count":0,"href":"https:\/\/cardvcc.com\/index.php?rest_route=\/wp\/v2\/posts\/11157\/revisions"}],"wp:attachment":[{"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cardvcc.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}