{"id":3465,"date":"2025-06-02T04:31:04","date_gmt":"2025-06-02T07:31:04","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3465"},"modified":"2025-06-02T04:31:04","modified_gmt":"2025-06-02T07:31:04","slug":"what-is-an-inactivity-fee","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/","title":{"rendered":"What is an inactivity fee?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Understanding_Collateral_in_Finance\" >Understanding Collateral in Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#What_Is_Collateral\" >What Is Collateral?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Why_Is_Collateral_Important\" >Why Is Collateral Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Common_Types_of_Collateral\" >Common Types of Collateral<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Real_Estate\" >Real Estate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Vehicles\" >Vehicles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Cash_and_Savings_Accounts\" >Cash and Savings Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Investments\" >Investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Inventory_and_Equipment\" >Inventory and Equipment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#How_Does_Collateral_Affect_Your_Financial_Situation\" >How Does Collateral Affect Your Financial Situation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Secured_vs_Unsecured_Loans_The_Role_of_Collateral\" >Secured vs. Unsecured Loans: The Role of Collateral<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Secured_Loans\" >Secured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Unsecured_Loans\" >Unsecured Loans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#How_to_Use_Collateral_Effectively\" >How to Use Collateral Effectively<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Common_Questions_About_Collateral\" >Common Questions About Collateral<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Can_I_Use_Multiple_Assets_as_Collateral\" >Can I Use Multiple Assets as Collateral?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#What_Happens_to_Collateral_After_I_Pay_Off_the_Loan\" >What Happens to Collateral After I Pay Off the Loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Is_Collateral_Always_Required\" >Is Collateral Always Required?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Can_Lenders_Sell_My_Collateral\" >Can Lenders Sell My Collateral?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Risks_and_Responsibilities_When_Using_Collateral\" >Risks and Responsibilities When Using Collateral<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#How_to_Protect_Your_Collateral\" >How to Protect Your Collateral<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#The_Role_of_Collateral_in_Building_Credit\" >The Role of Collateral in Building Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#What_is_an_Inactivity_Fee\" >What is an Inactivity Fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Frequently_Asked_Questions_About_Inactivity_Fees\" >Frequently Asked Questions About Inactivity Fees<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#1_What_exactly_is_an_inactivity_fee\" >1. What exactly is an inactivity fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#2_Which_types_of_accounts_usually_have_inactivity_fees\" >2. Which types of accounts usually have inactivity fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#3_How_long_does_it_take_before_an_inactivity_fee_is_charged\" >3. How long does it take before an inactivity fee is charged?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#4_What_counts_as_%E2%80%9Cactivity%E2%80%9D_to_avoid_the_fee\" >4. What counts as &#8220;activity&#8221; to avoid the fee?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#5_Can_I_avoid_inactivity_fees_by_closing_the_account\" >5. Can I avoid inactivity fees by closing the account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#6_How_much_do_inactivity_fees_usually_cost\" >6. How much do inactivity fees usually cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#7_Are_inactivity_fees_legal\" >7. Are inactivity fees legal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#8_Can_inactivity_fees_be_waived\" >8. Can inactivity fees be waived?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#9_Do_all_banks_charge_inactivity_fees\" >9. Do all banks charge inactivity fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#10_Can_inactivity_fees_affect_my_credit_score\" >10. Can inactivity fees affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#11_How_can_I_check_if_my_account_has_inactivity_fees\" >11. How can I check if my account has inactivity fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#12_Do_investment_accounts_have_inactivity_fees\" >12. Do investment accounts have inactivity fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#13_What_can_I_do_if_Im_charged_an_inactivity_fee_by_mistake\" >13. What can I do if I\u2019m charged an inactivity fee by mistake?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#14_Are_inactivity_fees_the_same_as_maintenance_fees\" >14. Are inactivity fees the same as maintenance fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#15_How_can_I_choose_an_account_without_inactivity_fees\" >15. How can I choose an account without inactivity fees?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3465\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What is an inactivity fee?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Collateral_in_Finance\"><\/span>Understanding Collateral in Finance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When diving into the world of finance, one often encounters the term <strong>collateral<\/strong>. Whether you&#8217;re applying for a personal loan, mortgage, or business credit, collateral plays a significant role in securing the loan and managing risk for lenders. But what exactly is collateral? How does it work, and why is it important for borrowers and lenders alike?<\/p>\n<p>This comprehensive glossary article will explore everything you need to know about <strong>collateral<\/strong> in finance. We will cover the definition, types, importance, how collateral impacts credit, and key considerations when using assets as collateral. The goal is to provide a clear, detailed, and accessible explanation to help you confidently navigate financial agreements involving collateral.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Collateral\"><\/span>What Is Collateral?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the simplest terms, <strong>collateral<\/strong> is an asset or property that a borrower offers to a lender as security for a loan. If the borrower fails to repay the loan according to the terms agreed upon, the lender has the right to seize the collateral to recover the outstanding debt. This reduces the lender&#8217;s risk and can make obtaining credit easier or more affordable for the borrower.<\/p>\n<p>Collateral can take many forms, depending on the loan type, the lender\u2019s requirements, and the borrower&#8217;s available assets. It acts as a form of guarantee, assuring the lender that there is something of value backing the loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_Collateral_Important\"><\/span>Why Is Collateral Important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Collateral plays a crucial role in lending and borrowing, especially in the context of secured loans. Here are some key reasons why collateral matters:<\/p>\n<ul>\n<li><strong>Reduces Risk for Lenders:<\/strong> By having assets as security, lenders lower the risk of financial loss if a borrower defaults.<\/li>\n<li><strong>Enables Better Loan Terms:<\/strong> Borrowers who provide collateral often qualify for larger loan amounts, lower interest rates, and longer repayment terms.<\/li>\n<li><strong>Improves Borrower Creditworthiness:<\/strong> Offering collateral can improve a borrower\u2019s chances of loan approval, especially if their credit score is not very strong.<\/li>\n<li><strong>Encourages Responsible Borrowing:<\/strong> Because assets are at stake, borrowers are motivated to make payments on time to avoid losing their property.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Types_of_Collateral\"><\/span>Common Types of Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Collateral is not one-size-fits-all. Different loans accept different types of collateral. Below are some of the most common forms:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Real_Estate\"><\/span>Real Estate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Property, such as a home or commercial building, is one of the most common and valuable types of collateral. Mortgages are secured by real estate, giving lenders a legal claim to the property until the mortgage loan is paid off.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vehicles\"><\/span>Vehicles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Cars, trucks, boats, and other vehicles can serve as collateral for loans, such as auto loans or title loans. The lender can repossess the vehicle if payments are missed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Cash_and_Savings_Accounts\"><\/span>Cash and Savings Accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Money in a savings account, certificate of deposit (CD), or similar accounts can be pledged as collateral. This is common in secured personal loans or lines of credit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Investments\"><\/span>Investments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Stocks, bonds, and other investment accounts may be used as collateral, especially in margin accounts or securities-backed loans.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Inventory_and_Equipment\"><\/span>Inventory and Equipment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Businesses often use inventory, machinery, or equipment as collateral for business loans. These assets help lenders feel secure when extending credit to companies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_Collateral_Affect_Your_Financial_Situation\"><\/span>How Does Collateral Affect Your Financial Situation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Offering collateral has a direct impact on your finances and borrowing experience. Understanding these effects is essential before pledging any assets:<\/p>\n<ul>\n<li><strong>Access to Credit:<\/strong> Secured loans backed by collateral typically have easier approval processes because the lender\u2019s risk is lower.<\/li>\n<li><strong>Interest Rates:<\/strong> Because secured loans are less risky for lenders, interest rates tend to be lower compared to unsecured loans.<\/li>\n<li><strong>Loan Amount:<\/strong> Collateral can increase the maximum loan amount, as the value of the asset helps justify a larger credit extension.<\/li>\n<li><strong>Risk of Asset Loss:<\/strong> If you default on a loan, the lender can take possession of your collateral, which could mean losing your home, car, or other valuable property.<\/li>\n<li><strong>Credit Impact:<\/strong> Successfully repaying a secured loan can help improve your credit score, while defaulting will harm it severely.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Secured_vs_Unsecured_Loans_The_Role_of_Collateral\"><\/span>Secured vs. Unsecured Loans: The Role of Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Loans generally fall into two categories depending on whether collateral is involved:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Secured_Loans\"><\/span>Secured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>These loans require collateral, which protects the lender if a borrower fails to repay. Common examples include:<\/p>\n<ul>\n<li>Mortgages<\/li>\n<li>Auto loans<\/li>\n<li>Home equity loans<\/li>\n<li>Secured personal loans<\/li>\n<\/ul>\n<p>Because of the collateral, secured loans usually offer lower interest rates and higher borrowing limits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Unsecured_Loans\"><\/span>Unsecured Loans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Unsecured loans don\u2019t require collateral. Lenders evaluate the borrower\u2019s creditworthiness through credit scores and income instead. However, these loans typically come with:<\/p>\n<ul>\n<li>Higher interest rates<\/li>\n<li>Lower loan amounts<\/li>\n<li>More stringent approval criteria<\/li>\n<\/ul>\n<p>Examples of unsecured loans include credit cards, student loans, and most personal loans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Use_Collateral_Effectively\"><\/span>How to Use Collateral Effectively<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you\u2019re considering a loan that requires collateral, it\u2019s important to be strategic about how you use it. Here are some tips for making the most of collateral:<\/p>\n<ul>\n<li><strong>Know Your Asset\u2019s Value:<\/strong> Have a clear understanding of the market value of your collateral. Appraisals or professional valuations can be helpful.<\/li>\n<li><strong>Only Pledge What You Can Afford to Lose:<\/strong> Never put an asset at risk that you cannot afford to lose in case of default.<\/li>\n<li><strong>Understand Loan Terms:<\/strong> Review how the lender handles collateral repossession and what your rights are if you face financial hardship.<\/li>\n<li><strong>Consider Alternatives:<\/strong> If you don\u2019t have suitable collateral, explore unsecured loan options or co-signer arrangements.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Questions_About_Collateral\"><\/span>Common Questions About Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_Use_Multiple_Assets_as_Collateral\"><\/span>Can I Use Multiple Assets as Collateral?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes. Some loans may allow or require multiple assets to serve as collateral, especially for larger loan amounts. This sometimes helps increase borrowing capacity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Happens_to_Collateral_After_I_Pay_Off_the_Loan\"><\/span>What Happens to Collateral After I Pay Off the Loan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Once the loan is repaid in full, the lender\u2019s claim on your collateral is released. For real estate, this means the mortgage lien is removed. For vehicles and other assets, the lender returns any documents indicating ownership.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Collateral_Always_Required\"><\/span>Is Collateral Always Required?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No. Not all loans require collateral. Unsecured loans rely on your creditworthiness alone. However, collateral often improves borrowing terms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_Lenders_Sell_My_Collateral\"><\/span>Can Lenders Sell My Collateral?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you default on the loan, lenders typically have the right to seize and sell the collateral to recover the owed amount. This process is called repossession or foreclosure depending on the asset.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_and_Responsibilities_When_Using_Collateral\"><\/span>Risks and Responsibilities When Using Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pledging collateral is a serious commitment that comes with risks and responsibilities. Consider the following before tying assets to a loan:<\/p>\n<ul>\n<li><strong>Risk of Losing Property:<\/strong> Defaulting leads to loss of your collateral, which could be your home, car, or other valuables.<\/li>\n<li><strong>Impact on Credit:<\/strong> Loan defaults and repossession can severely damage your credit rating.<\/li>\n<li><strong>Potential Legal Implications:<\/strong> In some cases, lenders could pursue you for any remaining balance if the collateral does not cover the loan in full.<\/li>\n<li><strong>Asset Depreciation:<\/strong> Some collateral, like vehicles, depreciate over time, which may affect your borrowing power.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Protect_Your_Collateral\"><\/span>How to Protect Your Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Taking steps to protect your collateral helps maintain your financial health and better positions you for future borrowing:<\/p>\n<ul>\n<li><strong>Keep Up with Payments:<\/strong> Timely loan payments prevent repossession and protect your assets.<\/li>\n<li><strong>Maintain Insurance:<\/strong> Insure valuable collateral such as homes and cars to guard against loss due to damage or theft.<\/li>\n<li><strong>Stay Informed:<\/strong> Understand your loan agreement\u2019s terms regarding collateral thoroughly to avoid surprises.<\/li>\n<li><strong>Seek Financial Advice:<\/strong> If you struggle to make payments, contact your lender early to explore possible solutions.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"The_Role_of_Collateral_in_Building_Credit\"><\/span>The Role of Collateral in Building Credit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Using collateral wisely can help improve your financial profile:<\/p>\n<ul>\n<li><strong>Establishes a Positive Credit History:<\/strong> Successfully repaying secured loans shows responsible financial behavior.<\/li>\n<li><strong>Enables Larger Credit Lines:<\/strong> Having valuable collateral can qualify you for more substantial financing that broadens your credit mix.<\/li>\n<li><strong>Improves Credit Score:<\/strong> On-time payments and low loan-to-value ratios positively influence credit ratings.<\/li>\n<\/ul>\n<p>However, any missed payments or defaults on secured loans can have more severe consequences, so it\u2019s crucial to borrow within your means.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-236\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30.webp\" alt=\"Thumbnail Smart Finance (30)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3468\/\" title=\"What is an identity verification step in credit applications?\">What is an identity verification step in credit applications?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3479\/\" title=\"What is an income requirement for credit card approval?\">What is an income requirement for credit card approval?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-233\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27.webp\" alt=\"Thumbnail Smart Finance (27)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-240\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34.webp\" alt=\"Thumbnail Smart Finance (34)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_an_Inactivity_Fee\"><\/span>What is an Inactivity Fee?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Have you ever opened a new bank account or investment platform only to find unexpected charges labeled as inactivity fees? An <strong>inactivity fee<\/strong> is a common charge applied by financial institutions when an account remains unused or meets the inactivity criteria for a certain period. These fees help banks and brokers cover the cost of maintaining dormant accounts, but they can catch customers off guard if they\u2019re not aware. Understanding what inactivity fees are, why they exist, and how to avoid them is essential for managing your finances effectively and protecting your money. Whether you are using a savings account, brokerage account, or even a credit card, knowing about inactivity fees can save you from unnecessary charges and encourage you to choose financial products with favorable fee structures.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_About_Inactivity_Fees\"><\/span>Frequently Asked Questions About Inactivity Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_exactly_is_an_inactivity_fee\"><\/span>1. What exactly is an inactivity fee?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An inactivity fee is a charge imposed by banks or financial companies when no transactions occur in your account over a set period, often 6 to 12 months.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Which_types_of_accounts_usually_have_inactivity_fees\"><\/span>2. Which types of accounts usually have inactivity fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Savings accounts, brokerage accounts, credit cards, and prepaid debit cards commonly have inactivity fees if not used regularly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_long_does_it_take_before_an_inactivity_fee_is_charged\"><\/span>3. How long does it take before an inactivity fee is charged?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This varies but typically fees are charged after 6 to 12 months of no activity on the account.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_counts_as_%E2%80%9Cactivity%E2%80%9D_to_avoid_the_fee\"><\/span>4. What counts as &#8220;activity&#8221; to avoid the fee?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Making a deposit, withdrawal, purchase, or any transaction typically resets the inactivity timer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_avoid_inactivity_fees_by_closing_the_account\"><\/span>5. Can I avoid inactivity fees by closing the account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, closing an unused account before the inactivity period ends usually prevents fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_How_much_do_inactivity_fees_usually_cost\"><\/span>6. How much do inactivity fees usually cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Fees range from $5 to $15 per month, but amounts vary by institution and account type.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_inactivity_fees_legal\"><\/span>7. Are inactivity fees legal?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, they are legal and disclosed in account agreements, but institutions must notify customers before charging fees in many cases.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_inactivity_fees_be_waived\"><\/span>8. Can inactivity fees be waived?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many banks waive fees if you notify them, maintain a minimum balance, or perform at least one transaction annually.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Do_all_banks_charge_inactivity_fees\"><\/span>9. Do all banks charge inactivity fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, some banks and credit unions offer no-fee accounts that don\u2019t charge inactivity fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_inactivity_fees_affect_my_credit_score\"><\/span>10. Can inactivity fees affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Generally, inactivity fees do not impact credit scores unless unpaid fees lead to collections.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_can_I_check_if_my_account_has_inactivity_fees\"><\/span>11. How can I check if my account has inactivity fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Review your account terms or contact customer service to confirm if your account charges inactivity fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Do_investment_accounts_have_inactivity_fees\"><\/span>12. Do investment accounts have inactivity fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some brokerage accounts charge inactivity fees if you don\u2019t trade or meet minimum activity requirements.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"13_What_can_I_do_if_Im_charged_an_inactivity_fee_by_mistake\"><\/span>13. What can I do if I\u2019m charged an inactivity fee by mistake?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Contact your bank or broker promptly to dispute the fee and request a refund.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"14_Are_inactivity_fees_the_same_as_maintenance_fees\"><\/span>14. Are inactivity fees the same as maintenance fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, inactivity fees apply due to no account activity, while maintenance fees are charged regularly regardless of activity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"15_How_can_I_choose_an_account_without_inactivity_fees\"><\/span>15. How can I choose an account without inactivity fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Look for accounts labeled &#8220;no fees,&#8221; &#8220;no inactivity fees,&#8221; or ask the provider before opening an account.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Inactivity fees<\/strong> can quickly erode your savings and investment returns if you\u2019re not vigilant about how often you use your accounts. These charges exist to help financial institutions cover costs associated with dormant accounts, but they are avoidable with awareness and careful account management. Regularly reviewing your accounts, making periodic transactions, or considering fee-free alternatives are practical ways to dodge inactivity fees. With so many options available, it pays to choose financial products that align with your habits\u2014maximizing value while minimizing unnecessary fees. Keeping your accounts active and understanding the fine print helps protect your hard-earned money and ensure your financial health stays robust.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-235\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29.webp\" alt=\"Thumbnail Smart Finance (29)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is an inactivity fee? Understanding Collateral in Finance When diving into the world of finance, one often encounters the term collateral. Whether you&#8217;re applying for a personal loan, mortgage, or business credit, collateral plays a significant role in securing the loan and managing risk for lenders. But what exactly is collateral? How does it &hellip;<\/p>\n","protected":false},"author":3,"featured_media":243,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-3465","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glossary-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3465","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=3465"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3465\/revisions"}],"predecessor-version":[{"id":5457,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3465\/revisions\/5457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/243"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}