{"id":1328,"date":"2017-08-27T17:13:21","date_gmt":"2017-08-28T00:13:21","guid":{"rendered":"https:\/\/financer.com\/?p=1328"},"modified":"2024-12-17T01:45:40","modified_gmt":"2024-12-17T09:45:40","slug":"stop-automatic-payments-to-credit-card","status":"publish","type":"how_to","link":"https:\/\/financer.com\/credit-cards\/articles\/stop-automatic-payments-to-credit-card\/","title":{"rendered":"How To Stop Automatic Payments to Your Credit Card and Save Big"},"content":{"rendered":"<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3>3 Quick Steps to Stop Automatic Payments<\/h3><li><p>Call or email the company with who you have the automatic payment.<\/p>\n<\/li><li><p>Call or email your bank or credit union to ensure the automatic payment is stopped.<\/p>\n<\/li><li><p>Monitor your account to ensure the payments do stop.<\/p>\n<\/li><\/ol><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"How_to_Stop_Automatic_Payments_On_Credit_Cards\">How to Stop Automatic Payments On Credit Cards<\/h2>\n\n\n\n<p>Automatic payments linked to your <a href=\"https:\/\/financer.com\/credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit card<\/a> or bank account can be convenient for a product or service that you value but in other instances it becomes inconvenient. <\/p>\n\n\n\n<p>From cable bills to gym memberships, automatic payments are almost always an option. Vendors typically push for automatic payments for two main reasons. First, they know are going to be paid on time. Secondly, it is inconvenient or time-consuming for consumers to cancel ongoing payments.<\/p>\n\n\n\n<p>However, <strong>automatic payments on <a href=\"https:\/\/financer.com\/credit-cards\/\">credit cards<\/a> <\/strong>quickly drain your finances. <\/p>\n\n\n\n<p>Sometimes a service provider may keep on deducting your funds or charging your credit card long after you cancel your membership.<\/p>\n\n\n\n<p>It gets even more complicated when the company charging your credit card won\u2019t respond to your request.<\/p>\n\n\n\n<p>In this instance, you may need to give your bank a stop payment order. This directs your bank to stop allowing the vendor to take payments from your account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Drawbacks_to_Automatic_Bill_Payment\">Drawbacks to Automatic Bill Payment<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Drawbacks_To_Automatic_Bill_Payment_1\">Drawbacks To Automatic Bill Payment<\/h3><li><p>Easy to forget<\/p>\n<\/li><li><p>Companies make it hard to stop<\/p>\n<\/li><li><p>You may spend money needlessly<\/p>\n<\/li><li><p>It\u2019s a hassle if your payment accounts change<\/p>\n<\/li><li><p>Could lead to expensive credit card debt <\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"How_to_Create_a_Stop_Payment_Order_\">How to Create a Stop Payment Order <\/h2>\n\n\n\n<p>While stopping a payment directly with the vendor is always preferable, there may be a time when this does not work. However, even if you have not yet contacted the company that you have the automatic payment with you can still instruct your bank with a stop payment order.<\/p>\n\n\n\n<p>This instruction gives the bank permission to stop allowing the company to withdraw funds from your account.<\/p>\n\n\n\n<p>To stop all future automatic payments to a specific company you will need to contact your bank in writing. The following letter template can be used to instruct your bank to initiate a stop payment order. <\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>To Whom It May Concern,<\/em><\/p>\n\n\n\n<p><em>Please consider this letter as a written stop payment order to instruct you to stop all payments from my account (ACC INFO) to (Company Info). My account information with (Company) is. (ACC INFO).<\/em><\/p>\n\n\n\n<p><em>I wish to stop all future payments to this company from (DATE) in the amount of (Amount that you pay).<\/em><\/p>\n\n\n\n<p><em>Kind Regards,<br>(Your name)<\/em><\/p>\n<\/blockquote>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"How_To_Stop_Automatic_Payments\">How To Stop Automatic Payments<\/h2>\n\n\n\n<p>If you have called the company or credit provider, it\u2019s a good idea to follow up in writing. This provides tangible proof of your instruction to cancel. <\/p>\n\n\n\n<p>With this being said, your call should still be treated as a sufficient reason to cancel.  <\/p>\n\n\n\n<p>Make sure you record the date, time, and representative&#8217;s name from the conversation for future reference. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><strong>Always confirm your cancelation with a follow-up email<\/strong><\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"How_to_Be_Cautious_with_Automatic_Payments\">How to Be Cautious with Automatic Payments<\/h2>\n\n\n\n<p><a href=\"https:\/\/wellyx.com\/blog\/everything-about-payment-processing-fitness-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">Automatic payments for Gyms<\/a> and other subscriptions can be useful to help you stay on track with regular payments. <\/p>\n\n\n\n<p>However, caution is needed when signing up for such agreements. Consider these points before authorizing a company to make automatic withdrawals:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><h3 id=\"4_Steps_To_Ensure_Safe_Automatic_Payments\">4 Steps to Ensure Safe Automatic Payments<\/h3><li><p><strong>Verify the company<\/strong>: Ensure the company is legitimate and credible. You may use an alternative payment method until you are content with the company.<\/p>\n<\/li><li><p><strong>Know your rights<\/strong>: You are not required to repay a loan by automatic debit from your checking account. The only exception is if the loan is an overdraft <a href=\"https:\/\/financer.com\/loans\/glossary\/credit-line\/\">line of credit<\/a>. Be wary of a company pressuring you to repay through automatic payments.<\/p>\n<\/li><li><p><strong>Be careful about overdrafts and insufficient funds<\/strong>: If your account is running low when an automatic payment is due, you could face overdraft fees if your balance goes below zero. Your bank and the company may charge you. These fees can add up quickly.<\/p>\n<\/li><li><p><strong>Review terms of the agreement<\/strong>: The company must give you a copy of the agreement. The terms of your authorization must be laid in a clear and understandable way. Make sure you know how much will be taken and how often.<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>If you would like to learn how to get out of a debt cycle Financer.com recommends the following six practical ways to become debt free.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"What_is_credit_card_autopay\"><strong>What is credit card autopay?<\/strong><\/h3>\n\n\n\n<p>Credit card autopay is a feature provided by most credit card issuers that allow you to schedule monthly payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"How_to_set_up_autopay_for_Bank_of_America_credit_card\"><strong>How to set up autopay for Bank of America credit card<\/strong><\/h3>\n\n\n\n<p>To set up autopay for your Bank of America credit card follow the steps below:<\/p>\n\n\n\n<ul>\n<li>Log into your account and go to Payment Center under the \u201cBill Pay\u201d tab <\/li>\n\n\n\n<li>If you haven\u2019t set up your credit card for billing, you will need to do so by clicking on the \u201cAdd a company or person\u201d tab<\/li>\n\n\n\n<li>In the search field type \u201cBank of America\u201d and select Bank of America credit card<\/li>\n\n\n\n<li>Next, type your credit card number. <\/li>\n\n\n\n<li>Click \u201chow to pay\u201d after you\u2019ve added your credit card and ensure electronic billing is turned on. <\/li>\n\n\n\n<li>Click on \u201cSet up AutoPay\u201d and choose whether you want to pay your bills in full or pay a fixed amount on your schedule. <\/li>\n\n\n\n<li>Once you\u2019ve filled out the requirements for your preferred option, click on \u201cStart sending payments\u201d to submit.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Does_autopay_affect_credit_score\"><strong>Does autopay affect credit score?<\/strong><\/h3>\n\n\n\n<p>Autopay has no direct impact on your credit score. However since payment history is the most important factor in FICO score estimations and autopay helps you make on-time payments, setting up autopay will help with your credit building or rebuilding efforts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Should_I_automate_my_credit_card_payment\"><strong>Should I automate my credit card payment?<\/strong><\/h3>\n\n\n\n<p>If you have several bills with different due dates and have trouble keeping up with payments, you can use autopay to make automatic payments from your bank account to avoid late payments.<\/p>\n\n\n<section class=\"fn_block quiz-section\">\n    <div class=\"container\">\n        <div class=\"quiz-section__wrapp page-content\">\n            <div class=\"container\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_title\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h3>How to Stop Automatic Payments Quiz<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_header_description\"><p>Test your knowledge\u00a0<\/p><\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-question__start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"has-text-centered\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<button href=\"https:\/\/dimi.creatinmagic.com\/us\/company\/\" id=\"start_btn\" class=\"button is-rounded is-primary quiz-start-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTake Quiz\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"fn_quiz\" data-signin-start=\"\" data-signin-result=\"\" data-id=\"43937\" quiz-type=\"single\" data-js-quiz-block style=\"display: none\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz_content\"><div class=\"quiz-controll-buttons\">\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"prev_btn\" disabled>Previous<\/button>\n\t\t\t\t\t\t\t\t\t\t<div class=\"quiz-controll-buttons-counter\">Question <span id=\"quiz_counter\">1\/5<\/span><\/div>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"next_btn\" disabled>Next<\/button>\n\t\t\t\t\t\t\t\t\t\t<button class=\"button is-rounded is-primary\" id=\"end_quiz\" disabled>Results<\/button>\n\t\t\t\t\t\t\t\t\t<\/div><div class=\"quiz-question__row\" id=\"quiz_question_0\"><div class=\"quiz-question__text\">Why do vendors typically push for automatic payments?<\/div><div id=\"answer0\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio0\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p> It enhances early payment<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer1\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio1\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p> It saves consumers time and effort<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer2\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio2\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p> It provides additional rewards and benefits<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer3\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio3\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_0[]\" value=\"0\" \/><p> It ensures secure transactions<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_1\"><div class=\"quiz-question__text\">What is one of the drawbacks of automatic bill payment?<\/div><div id=\"answer4\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio4\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>It allows for easy tracking of expenses<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer5\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio5\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p> It helps maintain a good credit score<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer6\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio6\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p>It may lead to unnecessary spending<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer7\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio7\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_1[]\" value=\"0\" \/><p> It simplifies the payment process<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_2\"><div class=\"quiz-question__text\">What should you include in a written stop-payment order to your bank?<\/div><div id=\"answer8\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio8\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_2[]\" value=\"0\" \/><p><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_3\"><div class=\"quiz-question__text\">How can you be cautious when signing up for automatic payments?<\/div><div id=\"answer9\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio9\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>Proof of cancellation from the company<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer10\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio10\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>A detailed explanation of the issue<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer11\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio11\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p> The date and amount of the last payment<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer12\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio12\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_3[]\" value=\"0\" \/><p>Your account information and the company&#8217;s details<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><div class=\"quiz-question__row\" id=\"quiz_question_4\"><div class=\"quiz-question__text\">What is the purpose of credit card autopay?<\/div><div id=\"answer13\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio13\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p> Choose alternative payment methods<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer14\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio14\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>Avoid automatic payments altogether<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer15\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio15\" class=\"radio\" data-is-true=\"false\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p>Opt for overdraft protection<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><div id=\"answer16\" class=\"quiz-question__answer-container \"><div class=\"quiz-question__answer answer financer-field-group\"><label class=\"radio\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t <input id=\"radio16\" class=\"radio\" data-is-true=\"true\" type=\"radio\" name=\"quiz-answers_4[]\" value=\"0\" \/><p> Review the terms of the agreement and verify the company&#8217;s legitimacy<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t <\/label>\n\t\t\t\t\t\t\t\t\t\t\t <\/div><\/div><\/div><\/div><div class=\"quiz-results has-text-centered is-hidden\"><div class=\"quiz-result\">You answered <span data-js-correct-answer><\/span> out of <span data-js-all-answer>5<\/span> questions correctly!<span class=\"quiz-result-text\"><\/span><\/div><button class=\"button is-rounded is-primary is-hidden\" id=\"reset_btn\">Take the Quiz again<\/button><\/div><\/div><\/div>        <\/div>\n    <\/div>\n<\/section>\n","protected":false},"author":11463,"featured_media":84752,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[10],"_links":{"self":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/1328"}],"collection":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/users\/11463"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/comments?post=1328"}],"version-history":[{"count":26,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/1328\/revisions"}],"predecessor-version":[{"id":79268,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/how_to\/1328\/revisions\/79268"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media\/84752"}],"wp:attachment":[{"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/media?parent=1328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/wp-json\/wp\/v2\/categories?post=1328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}