{"id":3651,"date":"2025-06-03T18:01:04","date_gmt":"2025-06-03T21:01:04","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=3651"},"modified":"2025-06-03T18:01:04","modified_gmt":"2025-06-03T21:01:04","slug":"why-international-fees-hurt-travelers-financially","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/","title":{"rendered":"Why international fees hurt travelers financially?"},"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\/3651\/#Understanding_Debt-to-Equity_Ratio\" >Understanding Debt-to-Equity Ratio<\/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\/3651\/#What_Is_the_Debt-to-Equity_Ratio\" >What Is the Debt-to-Equity Ratio?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Formula_for_Debt-to-Equity_Ratio\" >Formula for Debt-to-Equity Ratio<\/a><\/li><\/ul><\/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\/3651\/#Why_Is_the_Debt-to-Equity_Ratio_Important\" >Why Is the Debt-to-Equity Ratio Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#How_to_Interpret_Debt-to-Equity_Ratios\" >How to Interpret Debt-to-Equity Ratios<\/a><ul class='ez-toc-list-level-3' ><li class='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\/3651\/#Low_Debt-to-Equity_Ratio\" >Low Debt-to-Equity Ratio<\/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\/3651\/#High_Debt-to-Equity_Ratio\" >High Debt-to-Equity Ratio<\/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\/3651\/#Industry_Variation\" >Industry Variation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Types_of_Debt_Included_in_the_Ratio\" >Types of Debt Included in the Ratio<\/a><\/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\/3651\/#How_to_Calculate_the_Debt-to-Equity_Ratio_Step-by-Step_Example\" >How to Calculate the Debt-to-Equity Ratio: Step-by-Step Example<\/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\/3651\/#Benefits_of_Knowing_Your_Debt-to-Equity_Ratio\" >Benefits of Knowing Your Debt-to-Equity Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Limitations_of_the_Debt-to-Equity_Ratio\" >Limitations of the Debt-to-Equity Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Comparing_Debt-to-Equity_Ratio_with_Other_Financial_Metrics\" >Comparing Debt-to-Equity Ratio with Other Financial Metrics<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Debt_Ratio\" >Debt Ratio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Interest_Coverage_Ratio\" >Interest Coverage Ratio<\/a><\/li><li class='ez-toc-page-1 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\/3651\/#Return_on_Equity_ROE\" >Return on Equity (ROE)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Real-World_Examples_Debt-to-Equity_Ratio_in_Action\" >Real-World Examples: Debt-to-Equity Ratio in Action<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#How_Economic_Conditions_Affect_Debt-to-Equity_Ratios\" >How Economic Conditions Affect Debt-to-Equity Ratios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Tips_for_Managing_Your_Debt-to-Equity_Ratio\" >Tips for Managing Your Debt-to-Equity Ratio<\/a><\/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\/3651\/#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-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#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-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Why_International_Fees_Hurt_Travelers_Financially\" >Why International Fees Hurt Travelers Financially<\/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\/3651\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#What_are_international_fees\" >What are international fees?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#How_much_do_foreign_transaction_fees_usually_cost\" >How much do foreign transaction fees usually cost?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Why_do_banks_charge_foreign_transaction_fees\" >Why do banks charge foreign transaction fees?<\/a><\/li><li class='ez-toc-page-1 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\/3651\/#Can_I_avoid_international_fees_when_traveling\" >Can I avoid international fees when traveling?<\/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\/3651\/#Are_all_credit_cards_charged_international_fees\" >Are all credit cards charged international 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\/3651\/#Do_international_fees_apply_to_debit_cards\" >Do international fees apply to debit cards?<\/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\/3651\/#Does_currency_exchange_affect_my_fees\" >Does currency exchange affect my fees?<\/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\/3651\/#What_is_the_difference_between_international_fees_and_ATM_fees\" >What is the difference between international fees and ATM fees?<\/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\/3651\/#How_can_I_find_out_my_credit_cards_international_fees\" >How can I find out my credit card\u2019s international fees?<\/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\/3651\/#Are_there_any_hidden_international_fees_to_watch_out_for\" >Are there any hidden international fees to watch out for?<\/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\/3651\/#Is_it_better_to_use_cash_or_card_abroad\" >Is it better to use cash or card abroad?<\/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\/3651\/#Do_prepaid_travel_cards_help_avoid_international_fees\" >Do prepaid travel cards help avoid international 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\/3651\/#How_do_merchant_currency_conversion_practices_impact_fees\" >How do merchant currency conversion practices impact fees?<\/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\/3651\/#Can_international_fees_impact_frequent_travelers_financially\" >Can international fees impact frequent travelers financially?<\/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\/3651\/#Whats_the_best_way_to_save_money_on_international_fees\" >What\u2019s the best way to save money on international fees?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3651\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Why international fees hurt travelers financially?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Debt-to-Equity_Ratio\"><\/span>Understanding Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;re exploring the world of finance, investment, or business management, you&#8217;ve likely encountered the term <strong>debt-to-equity ratio<\/strong>. This important financial metric helps companies, investors, and analysts assess the balance between borrowed funds and shareholders&#8217; equity. Whether you&#8217;re a small business owner assessing your company&#8217;s financial health or an investor deciding which stocks to buy, understanding the debt-to-equity ratio can guide your decisions and help you manage risk effectively.<\/p>\n<p>In this article, we&#8217;ll dive deep into what the debt-to-equity ratio means, how it&#8217;s calculated, and why it matters in the U.S. financial landscape. You&#8217;ll also learn about its key variations, industry benchmarks, advantages, limitations, and real-world examples that shed light on how this ratio shapes financial strategies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_Debt-to-Equity_Ratio\"><\/span>What Is the Debt-to-Equity Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>debt-to-equity ratio<\/strong> (D\/E ratio) is a financial metric that compares a company\u2019s total liabilities (debt) to its shareholders\u2019 equity. It essentially shows how much debt a company is using to finance its assets relative to the value invested by its owners.<\/p>\n<p>In simple terms, this ratio answers the question: <em>How much of the company is funded by debt versus equity?<\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Formula_for_Debt-to-Equity_Ratio\"><\/span>Formula for Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The standard formula to calculate the debt-to-equity ratio is:<\/p>\n<ul>\n<li><strong>Debt-to-Equity Ratio = Total Liabilities \u00f7 Shareholders\u2019 Equity<\/strong><\/li>\n<\/ul>\n<p>Here:<\/p>\n<ul>\n<li><em>Total liabilities<\/em> include all of a company\u2019s debt\u2014both short-term (like accounts payable or short-term loans) and long-term debt (such as bonds or bank loans).<\/li>\n<li><em>Shareholders\u2019 equity<\/em> represents the net value owned by shareholders, including retained earnings and stock.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_the_Debt-to-Equity_Ratio_Important\"><\/span>Why Is the Debt-to-Equity Ratio Important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding the debt-to-equity ratio is crucial because it reveals how a company finances its operations and growth. This insight helps stakeholders weigh potential risks and returns.<\/p>\n<ul>\n<li><strong>Risk Evaluation:<\/strong> A higher D\/E ratio indicates more reliance on borrowed money, which can translate to higher financial risk, especially during economic downturns.<\/li>\n<li><strong>Investment Decisions:<\/strong> Investors often analyze this ratio to determine a company\u2019s leverage and financial stability before investing.<\/li>\n<li><strong>Creditworthiness:<\/strong> Lenders use the ratio to assess whether a business is likely to repay its debts.<\/li>\n<li><strong>Growth Insights:<\/strong> Companies might use debt strategically to grow faster without diluting ownership.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Interpret_Debt-to-Equity_Ratios\"><\/span>How to Interpret Debt-to-Equity Ratios<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The &#8220;ideal&#8221; debt-to-equity ratio depends on industry standards, company size, and economic conditions, but understanding how to interpret different values is key.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Low_Debt-to-Equity_Ratio\"><\/span>Low Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A low D\/E ratio (e.g., 0.5 or below) means a company uses less debt and more equity to finance its operations. While this implies lower financial risk, it may also indicate missed opportunities for growth financed through borrowed capital.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"High_Debt-to-Equity_Ratio\"><\/span>High Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A high ratio (e.g., above 2) suggests heavy reliance on debt. This can magnify returns during good times but increases the risk of insolvency if the company can&#8217;t meet its debt obligations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Industry_Variation\"><\/span>Industry Variation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Different industries have distinct norms when it comes to debt. For example:<\/p>\n<ul>\n<li><strong>Utilities<\/strong> often have high D\/E ratios (sometimes above 2 or 3) because they have stable cash flows that support debt financing.<\/li>\n<li><strong>Technology companies<\/strong> tend to maintain lower ratios, preferring equity financing or internally generated cash.<\/li>\n<li><strong>Financial institutions<\/strong> operate with unique capital structures, so their ratios may not compare directly with other sectors.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Debt_Included_in_the_Ratio\"><\/span>Types of Debt Included in the Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding what counts as \u201cdebt\u201d in this ratio is essential because different sources of debt carry different risks and costs.<\/p>\n<ul>\n<li><strong>Short-term Liabilities:<\/strong> Obligations due within one year, such as accounts payable and short-term loans.<\/li>\n<li><strong>Long-term Debt:<\/strong> Loans and bonds due beyond one year, often with fixed interest payments.<\/li>\n<li><strong>Convertible Debt:<\/strong> Debt that can be converted to equity, which might affect future equity value.<\/li>\n<\/ul>\n<p>Some analysts also calculate a <em>debt-to-capital ratio<\/em>, which compares total debt to the sum of debt plus equity, offering a slightly different perspective on leverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Calculate_the_Debt-to-Equity_Ratio_Step-by-Step_Example\"><\/span>How to Calculate the Debt-to-Equity Ratio: Step-by-Step Example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let\u2019s walk through an example to make things clearer.<\/p>\n<ul>\n<li>Assume XYZ Corporation has total liabilities of $500,000.<\/li>\n<li>Its shareholders\u2019 equity is $1,000,000.<\/li>\n<li>Using the formula: Debt-to-Equity Ratio = $500,000 \u00f7 $1,000,000 = 0.5.<\/li>\n<\/ul>\n<p>This means XYZ Corporation uses 50 cents of debt for every dollar of equity, signaling moderate leverage and likely a conservative financial structure.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_Knowing_Your_Debt-to-Equity_Ratio\"><\/span>Benefits of Knowing Your Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The debt-to-equity ratio isn\u2019t just for investors and lenders. As a business owner or manager, understanding this ratio can help in multiple areas:<\/p>\n<ul>\n<li><strong>Financial Planning:<\/strong> Helps you decide when to raise capital through debt or equity.<\/li>\n<li><strong>Investor Relations:<\/strong> Shows potential investors that you\u2019re aware of your funding mix and risk.<\/li>\n<li><strong>Benchmarking:<\/strong> Compare your business\u2019s leverage to competitors or industry averages.<\/li>\n<li><strong>Improving Credit Terms:<\/strong> Lower D\/E ratios often help you negotiate better loan terms or interest rates.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Limitations_of_the_Debt-to-Equity_Ratio\"><\/span>Limitations of the Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the D\/E ratio is a useful indicator, it has important limitations that you should keep in mind.<\/p>\n<ul>\n<li><strong>Doesn\u2019t Indicate Profitability:<\/strong> A company may have a reasonable D\/E ratio but could still be unprofitable.<\/li>\n<li><strong>Ignores Asset Quality:<\/strong> It doesn\u2019t show the liquidity or quality of assets backing the liabilities.<\/li>\n<li><strong>Accounting Differences:<\/strong> Variations in accounting methods can impact both debt and equity figures.<\/li>\n<li><strong>Industry Differences:<\/strong> As noted, debt tolerance varies widely \u2014 comparing ratios across industries can be misleading.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Comparing_Debt-to-Equity_Ratio_with_Other_Financial_Metrics\"><\/span>Comparing Debt-to-Equity Ratio with Other Financial Metrics<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For a comprehensive financial analysis, it\u2019s helpful to look at the debt-to-equity ratio alongside other metrics.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Debt_Ratio\"><\/span>Debt Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This ratio measures the proportion of total assets financed by debt:<\/p>\n<ul>\n<li><strong>Debt Ratio = Total Liabilities \u00f7 Total Assets<\/strong><\/li>\n<\/ul>\n<p>It offers a broader view of the company&#8217;s leverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interest_Coverage_Ratio\"><\/span>Interest Coverage Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This ratio tells you how comfortably a company can pay interest from its earnings:<\/p>\n<ul>\n<li><strong>Interest Coverage Ratio = EBIT \u00f7 Interest Expense<\/strong><\/li>\n<\/ul>\n<p>EBIT stands for earnings before interest and taxes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Return_on_Equity_ROE\"><\/span>Return on Equity (ROE)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>ROE measures a company&#8217;s profitability relative to shareholders\u2019 equity and shows how well the company generates returns for stockholders.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Real-World_Examples_Debt-to-Equity_Ratio_in_Action\"><\/span>Real-World Examples: Debt-to-Equity Ratio in Action<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let\u2019s look at a few examples of how companies\u2019 debt-to-equity ratios have impacted their financial standing, particularly in the American market.<\/p>\n<ul>\n<li><strong>Apple Inc.<\/strong> Apple generally maintains a moderate D\/E ratio, balancing between using low-cost debt for expansion and leveraging its strong equity base.<\/li>\n<li><strong>Ford Motor Company<\/strong> As an automaker, Ford often carries a higher debt-to-equity ratio due to capital-intensive operations and cyclical industry risks.<\/li>\n<li><strong>Google (Alphabet Inc.)<\/strong> Tech companies like Alphabet typically have low D\/E ratios, relying heavily on retained earnings and equity rather than debt.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Economic_Conditions_Affect_Debt-to-Equity_Ratios\"><\/span>How Economic Conditions Affect Debt-to-Equity Ratios<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Macroeconomic factors, such as interest rates and economic growth, profoundly influence how companies manage their debt-to-equity ratios:<\/p>\n<ul>\n<li><strong>Low-Interest Rates:<\/strong> Encourage companies to borrow more, potentially increasing D\/E ratios.<\/li>\n<li><strong>Recession:<\/strong> Companies may reduce debt to lower risk and strengthen equity positions.<\/li>\n<li><strong>Market Volatility:<\/strong> Can affect equity valuations, indirectly changing the denominator in the debt-to-equity formula.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Managing_Your_Debt-to-Equity_Ratio\"><\/span>Tips for Managing Your Debt-to-Equity Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whether you&#8217;re managing your own business or evaluating investments, here are some strategies to keep your debt-to-equity ratio healthy and aligned with your goals:<\/p>\n<ul>\n<li><strong>Keep Accurate Financial Records:<\/strong> Regularly update and review your balance sheet.<\/li>\n<li><strong>Plan Debt Wisely:<\/strong> Use debt financing for projects that generate predictable cash flow.<\/li>\n<li><strong>Balance Growth and Risk:<\/strong> Avoid over-leveraging during periods of rapid expansion.<\/li>\n<li><strong>Consult Financial Advisors:<\/strong> Professionals can provide personalized approaches based on your industry and risk tolerance.<\/li>\n<\/ul>\n<p>By carefully monitoring and managing your debt-to-equity ratio, you can position your business or investment portfolio for long-term success with a balanced approach to risk and capital structure.<\/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\/5186\/\" title=\"Why interest reports show true cost?\">Why interest reports show true cost?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3647\/\" title=\"Why intro APRs attract new users?\">Why intro APRs attract new users?\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=\"Why_International_Fees_Hurt_Travelers_Financially\"><\/span>Why International Fees Hurt Travelers Financially<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Traveling abroad is an exciting experience, but many American travelers don\u2019t realize how costly international fees can be. These extra charges, often hidden in credit card transactions, ATM withdrawals, and currency exchanges, quickly add up and hurt travelers financially. Whether it\u2019s foreign transaction fees or ATM surcharges, these costs reduce your spending power and make budgeting difficult. Understanding why international fees exist and how they impact your travel expenses is essential to saving money overseas. By being aware and proactive, you can avoid unnecessary fees and keep more of your money for the things that truly matter on your trip.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_are_international_fees\"><\/span>What are international fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>International fees<\/strong> are extra charges applied by banks or credit card companies when you make purchases or withdraw money abroad, typically as a percentage of the transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_much_do_foreign_transaction_fees_usually_cost\"><\/span>How much do foreign transaction fees usually cost?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>They typically range from 1% to 3% of each purchase or withdrawal made outside the U.S., quickly adding up on longer trips.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_banks_charge_foreign_transaction_fees\"><\/span>Why do banks charge foreign transaction fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Banks charge these fees to cover costs related to currency conversion and cross-border transaction processing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_avoid_international_fees_when_traveling\"><\/span>Can I avoid international fees when traveling?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, by using no-foreign-transaction-fee credit cards and withdrawing cash from partner ATMs, you can avoid many of these fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_all_credit_cards_charged_international_fees\"><\/span>Are all credit cards charged international fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, many travel-focused credit cards offer no foreign transaction fees as a key benefit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_international_fees_apply_to_debit_cards\"><\/span>Do international fees apply to debit cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many debit cards also charge international fees, including ATM withdrawal fees when used abroad.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_currency_exchange_affect_my_fees\"><\/span>Does currency exchange affect my fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, using poor exchange rates can increase costs indirectly, making your trip more expensive.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_international_fees_and_ATM_fees\"><\/span>What is the difference between international fees and ATM fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>International fees are a percentage charge on purchases, while ATM fees are fixed or percentage-based charges applied when withdrawing foreign cash.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_find_out_my_credit_cards_international_fees\"><\/span>How can I find out my credit card\u2019s international fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Check your cardholder agreement or contact customer service for detailed information about foreign fees.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_hidden_international_fees_to_watch_out_for\"><\/span>Are there any hidden international fees to watch out for?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, dynamic currency conversion fees and ATM operator surcharges are common hidden charges.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_it_better_to_use_cash_or_card_abroad\"><\/span>Is it better to use cash or card abroad?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Using a no-foreign-fee card is usually safer and cheaper, but carrying some cash is wise for small purchases or emergencies.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_prepaid_travel_cards_help_avoid_international_fees\"><\/span>Do prepaid travel cards help avoid international fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>They can help, but some prepaid cards have their own fees, so reading terms carefully is important.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_merchant_currency_conversion_practices_impact_fees\"><\/span>How do merchant currency conversion practices impact fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some merchants offer to charge your card in dollars instead of local currency, but this often leads to higher fees through dynamic currency conversion.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_international_fees_impact_frequent_travelers_financially\"><\/span>Can international fees impact frequent travelers financially?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, frequent travelers pay these fees repeatedly, which can lead to hundreds of dollars lost annually if not managed properly.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Whats_the_best_way_to_save_money_on_international_fees\"><\/span>What\u2019s the best way to save money on international fees?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Choose cards with no foreign transaction fees<\/strong><\/li>\n<li><strong>Use partner ATMs<\/strong><\/li>\n<li><strong>Avoid dynamic currency conversion<\/strong><\/li>\n<li><strong>Plan cash withdrawals strategically<\/strong><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>International fees<\/strong> can significantly increase travel expenses, often catching travelers by surprise. These hidden costs reduce your budget, forcing you to spend more or cut back on experiences. For Americans planning trips abroad, being informed about how banks and merchants apply these fees is crucial. By selecting the right credit cards, using ATMs wisely, and avoiding unnecessary currency conversions, you can minimize or completely avoid these charges. Managing international fees isn&#8217;t just about saving money\u2014it\u2019s about making your travel funds go further. Taking simple steps to prevent these financial leaks helps you focus on enjoying your adventure without worrying about extra costs. Protect your wallet and make smarter spending choices abroad to keep your travel budget intact and stress-free.<\/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>Why international fees hurt travelers financially? Understanding Debt-to-Equity Ratio If you&#8217;re exploring the world of finance, investment, or business management, you&#8217;ve likely encountered the term debt-to-equity ratio. This important financial metric helps companies, investors, and analysts assess the balance between borrowed funds and shareholders&#8217; equity. Whether you&#8217;re a small business owner assessing your company&#8217;s financial &hellip;<\/p>\n","protected":false},"author":3,"featured_media":217,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-3651","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\/3651","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=3651"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3651\/revisions"}],"predecessor-version":[{"id":5532,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/3651\/revisions\/5532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/217"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=3651"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=3651"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=3651"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}