{"id":4867,"date":"2025-06-14T11:06:04","date_gmt":"2025-06-14T14:06:04","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=4867"},"modified":"2025-06-14T11:06:04","modified_gmt":"2025-06-14T14:06:04","slug":"why-tap-to-pay-speeds-up-checkout","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/","title":{"rendered":"Why tap-to-pay speeds up checkout?"},"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\/4867\/#Understanding_Debt-to-Income_Ratio_DTI_A_Key_Financial_Metric\" >Understanding Debt-to-Income Ratio (DTI): A Key Financial Metric<\/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\/4867\/#What_Is_Debt-to-Income_Ratio\" >What Is Debt-to-Income Ratio?<\/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\/4867\/#Why_Is_Debt-to-Income_Ratio_Important\" >Why Is Debt-to-Income Ratio 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\/4867\/#How_to_Calculate_Your_Debt-to-Income_Ratio\" >How to Calculate Your Debt-to-Income Ratio<\/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\/4867\/#Step_1_Add_Up_Monthly_Debt_Payments\" >Step 1: Add Up Monthly Debt Payments<\/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\/4867\/#Step_2_Determine_Gross_Monthly_Income\" >Step 2: Determine Gross Monthly Income<\/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\/4867\/#Step_3_Calculate_Your_DTI_Percentage\" >Step 3: Calculate Your DTI Percentage<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#Types_of_Debt-to-Income_Ratios\" >Types of Debt-to-Income Ratios<\/a><ul class='ez-toc-list-level-3' ><li class='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\/4867\/#1_Front-End_Ratio_Housing_Ratio\" >1. Front-End Ratio (Housing Ratio)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#2_Back-End_Ratio\" >2. Back-End Ratio<\/a><\/li><\/ul><\/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\/4867\/#What_Is_a_Good_Debt-to-Income_Ratio\" >What Is a Good Debt-to-Income 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\/4867\/#How_Does_Debt-to-Income_Ratio_Affect_Your_Finances\" >How Does Debt-to-Income Ratio Affect Your Finances?<\/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\/4867\/#Strategies_to_Improve_Your_Debt-to-Income_Ratio\" >Strategies to Improve Your Debt-to-Income Ratio<\/a><\/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\/4867\/#Common_Misconceptions_About_Debt-to-Income_Ratio\" >Common Misconceptions About Debt-to-Income Ratio<\/a><ul class='ez-toc-list-level-3' ><li class='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\/4867\/#DTI_Includes_All_Monthly_Bills\" >DTI Includes All Monthly Bills<\/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\/4867\/#Higher_Income_Means_DTI_Doesnt_Matter\" >Higher Income Means DTI Doesn\u2019t Matter<\/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\/4867\/#DTI_Is_the_Only_Factor_Lenders_Consider\" >DTI Is the Only Factor Lenders Consider<\/a><\/li><\/ul><\/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\/4867\/#How_to_Find_Your_Debt-to-Income_Ratio_on_Your_Own\" >How to Find Your Debt-to-Income Ratio on Your Own<\/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\/4867\/#Debt-to-Income_Ratio_and_Mortgage_Lending\" >Debt-to-Income Ratio and Mortgage Lending<\/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\/4867\/#Monitoring_Your_Debt-to-Income_Ratio_Over_Time\" >Monitoring Your Debt-to-Income Ratio Over Time<\/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\/4867\/#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-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#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-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#Why_Tap-to-Pay_Speeds_Up_Checkout\" >Why Tap-to-Pay Speeds Up Checkout<\/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\/4867\/#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-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#What_exactly_is_tap-to-pay\" >What exactly is tap-to-pay?<\/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\/4867\/#How_much_faster_is_tap-to-pay_compared_to_swiping_or_inserting_a_card\" >How much faster is tap-to-pay compared to swiping or inserting a card?<\/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\/4867\/#Is_tap-to-pay_secure\" >Is tap-to-pay secure?<\/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\/4867\/#Do_all_stores_accept_tap-to-pay\" >Do all stores accept tap-to-pay?<\/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\/4867\/#Can_I_use_my_phone_for_tap-to-pay\" >Can I use my phone for tap-to-pay?<\/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\/4867\/#Does_tap-to-pay_require_a_PIN_for_small_purchases\" >Does tap-to-pay require a PIN for small purchases?<\/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\/4867\/#Is_there_a_limit_on_how_much_I_can_spend_using_tap-to-pay\" >Is there a limit on how much I can spend using tap-to-pay?<\/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\/4867\/#What_happens_if_my_device_or_card_doesnt_support_tap-to-pay\" >What happens if my device or card doesn\u2019t support tap-to-pay?<\/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\/4867\/#Will_tap-to-pay_work_if_the_terminal_is_busy_or_crowded\" >Will tap-to-pay work if the terminal is busy or crowded?<\/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\/4867\/#Is_tap-to-pay_faster_for_merchants_too\" >Is tap-to-pay faster for merchants, too?<\/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\/4867\/#Can_tap-to-pay_reduce_human_errors_at_checkout\" >Can tap-to-pay reduce human errors at checkout?<\/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\/4867\/#Are_tap-to-pay_transactions_recorded_like_other_card_payments\" >Are tap-to-pay transactions recorded like other card payments?<\/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\/4867\/#Do_I_need_to_register_my_card_for_tap-to-pay\" >Do I need to register my card for tap-to-pay?<\/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\/4867\/#What_if_the_tap_payment_fails\" >What if the tap payment fails?<\/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\/4867\/#Is_using_tap-to-pay_eco-friendly\" >Is using tap-to-pay eco-friendly?<\/a><\/li><\/ul><\/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\/4867\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4867\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>Why tap-to-pay speeds up checkout?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Debt-to-Income_Ratio_DTI_A_Key_Financial_Metric\"><\/span>Understanding Debt-to-Income Ratio (DTI): A Key Financial Metric<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;ve ever applied for a mortgage, personal loan, or even a credit card, you may have come across the term <em>debt-to-income ratio<\/em> or <strong>DTI<\/strong>. This important financial metric plays a crucial role in determining your creditworthiness and your ability to manage monthly payments. In this article, we&#8217;ll dive deep into what the debt-to-income ratio means, why lenders care about it, how it\u2019s calculated, and practical tips to improve your DTI to enhance your financial health.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Debt-to-Income_Ratio\"><\/span>What Is Debt-to-Income Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>debt-to-income ratio (DTI)<\/strong> is a personal finance measure that compares your monthly debt payments to your gross monthly income. In simple terms, it shows how much of your income is going toward paying debts. Lenders use DTI as an indicator of your ability to handle monthly payments and repay borrowed money. A lower DTI generally implies better financial stability.<\/p>\n<p>DTI is expressed as a percentage. For example, if your monthly debt payments total $1,500 and your gross monthly income is $5,000, your DTI is 30%. This means 30% of your income goes toward servicing debt.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Is_Debt-to-Income_Ratio_Important\"><\/span>Why Is Debt-to-Income Ratio Important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lenders, such as banks or mortgage companies, rely heavily on your DTI to assess risk before approving loans or credit. Here\u2019s why the debt-to-income ratio matters so much:<\/p>\n<ul>\n<li><strong>Credit Approval:<\/strong> A favorable DTI reassures lenders that you can comfortably make monthly payments without overstretching your finances.<\/li>\n<li><strong>Interest Rates:<\/strong> Borrowers with lower DTI ratios may qualify for better interest rates, saving significant money over time.<\/li>\n<li><strong>Loan Amounts:<\/strong> Your DTI influences the maximum loan amount a lender is willing to approve.<\/li>\n<li><strong>Financial Health Insight:<\/strong> Reviewing your own DTI gives you a snapshot of your debt burden relative to your income, helping guide budgeting and debt management strategies.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Calculate_Your_Debt-to-Income_Ratio\"><\/span>How to Calculate Your Debt-to-Income Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Calculating your DTI is straightforward and requires just two pieces of information: your total monthly debt payments and your gross monthly income (income before taxes and deductions).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_1_Add_Up_Monthly_Debt_Payments\"><\/span>Step 1: Add Up Monthly Debt Payments<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Include the following recurring expenses:<\/p>\n<ul>\n<li>Mortgage or rent payments<\/li>\n<li>Auto loans<\/li>\n<li>Credit card minimum payments<\/li>\n<li>Student loans<\/li>\n<li>Personal loans or installment loans<\/li>\n<li>Alimony or child support payments<\/li>\n<li>Other debts like medical loans or payday loans<\/li>\n<\/ul>\n<p>Exclude everyday expenses such as utilities, groceries, or insurance premiums unless they\u2019re part of a loan payment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_2_Determine_Gross_Monthly_Income\"><\/span>Step 2: Determine Gross Monthly Income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is your total income before taxes and other deductions. For employed individuals, this would typically be your salary or wages. Self-employed people should consider their average monthly earnings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_3_Calculate_Your_DTI_Percentage\"><\/span>Step 3: Calculate Your DTI Percentage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Use the formula:<\/p>\n<p><strong>DTI = (Total Monthly Debt Payments) \u00f7 (Gross Monthly Income) \u00d7 100<\/strong><\/p>\n<p>For example, if your debt payments add up to $1,200 and your gross income is $4,000, your DTI is:<\/p>\n<p>1,200 \u00f7 4,000 = 0.30 \u2192 0.30 \u00d7 100 = <strong>30%<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Debt-to-Income_Ratios\"><\/span>Types of Debt-to-Income Ratios<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It\u2019s helpful to know that lenders often look at two types of DTI ratios:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Front-End_Ratio_Housing_Ratio\"><\/span>1. Front-End Ratio (Housing Ratio)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This considers only your housing-related debts, such as mortgage or rent payments, property taxes, homeowners insurance, and sometimes homeowners association fees. It measures the percentage of your income spent specifically on housing costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Back-End_Ratio\"><\/span>2. Back-End Ratio<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The more commonly referenced DTI ratio, the back-end ratio, includes all monthly debt obligations, not just housing costs. It gives a fuller picture of your total debt burden.<\/p>\n<p>Both ratios are important, but lenders pay more attention to the back-end ratio, as it reflects your overall financial commitments.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_a_Good_Debt-to-Income_Ratio\"><\/span>What Is a Good Debt-to-Income Ratio?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Knowing where your DTI stands helps you understand your financial standing. While exact limits vary by lender and loan type, typical guidelines in the U.S. are:<\/p>\n<ul>\n<li><strong>Under 36%:<\/strong> Considered a healthy DTI; lenders usually view this as low risk.<\/li>\n<li><strong>36% to 43%:<\/strong> Acceptable for many loan programs, but lenders may scrutinize other financial details.<\/li>\n<li><strong>Above 43%:<\/strong> Often a red flag; might make it difficult to qualify for loans without offsetting factors.<\/li>\n<li><strong>Above 50%:<\/strong> Generally seen as high risk; usually requires debt reduction before loans are approved.<\/li>\n<\/ul>\n<p>For example, conventional mortgage lenders often prefer a back-end DTI of 43% or less, while some government-backed loans (like FHA loans) may allow DTIs up to 50%, depending on other factors.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_Debt-to-Income_Ratio_Affect_Your_Finances\"><\/span>How Does Debt-to-Income Ratio Affect Your Finances?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your DTI can influence many aspects of your financial life beyond just loan approval:<\/p>\n<ul>\n<li><strong>Loan Options:<\/strong> Your DTI determines the types of loans and credit products you qualify for.<\/li>\n<li><strong>Borrowing Power:<\/strong> A low DTI may increase the maximum amount lenders are willing to lend.<\/li>\n<li><strong>Interest Rates:<\/strong> Better DTI can often translate to lower interest rates and more favorable loan terms.<\/li>\n<li><strong>Stress on Budget:<\/strong> A high DTI means a large portion of your income goes toward debt, leaving less for savings, emergencies, or discretionary spending.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Strategies_to_Improve_Your_Debt-to-Income_Ratio\"><\/span>Strategies to Improve Your Debt-to-Income Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If your DTI is high, you\u2019re not alone. Many Americans face the challenge of balancing debt with income. The good news is that you can take steps to improve your DTI over time. Here are effective strategies:<\/p>\n<ul>\n<li><strong>Pay Down Existing Debt:<\/strong> Focus on paying off high-interest debts like credit cards quickly. Reducing outstanding balances lowers your monthly payments.<\/li>\n<li><strong>Increase Your Income:<\/strong> Consider side gigs, asking for a raise, or pursuing opportunities that boost your earnings.<\/li>\n<li><strong>Avoid Opening New Debt:<\/strong> Don\u2019t take on new loans or credit unless necessary, as this increases monthly obligations.<\/li>\n<li><strong>Refinance or Consolidate Loans:<\/strong> Refinancing high-interest loans to lower rates or consolidating multiple debts into a single payment can reduce monthly debt expenses.<\/li>\n<li><strong>Create a Budget:<\/strong> Maintaining a realistic monthly budget helps you prioritize debt payments and avoid overspending.<\/li>\n<li><strong>Consider Debt Management Plans:<\/strong> If overwhelmed, seek help from credit counseling agencies that offer structured debt repayment plans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Common_Misconceptions_About_Debt-to-Income_Ratio\"><\/span>Common Misconceptions About Debt-to-Income Ratio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are several myths around DTI that can confuse consumers. Let\u2019s clear up some of the most common misunderstandings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"DTI_Includes_All_Monthly_Bills\"><\/span>DTI Includes All Monthly Bills<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>False.<\/strong> DTI only includes debts with regular monthly payments such as loans and credit card minimums. Utilities, groceries, and insurance premiums typically aren&#8217;t factored into DTI calculations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Higher_Income_Means_DTI_Doesnt_Matter\"><\/span>Higher Income Means DTI Doesn\u2019t Matter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>False.<\/strong> Even with a high income, a large debt load can negatively impact DTI and loan approval.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"DTI_Is_the_Only_Factor_Lenders_Consider\"><\/span>DTI Is the Only Factor Lenders Consider<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>False.<\/strong> Lenders look at multiple factors besides DTI, including credit scores, employment history, savings, and loan-to-value ratios.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Find_Your_Debt-to-Income_Ratio_on_Your_Own\"><\/span>How to Find Your Debt-to-Income Ratio on Your Own<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Getting your DTI is empowering and helps you take control of your finances. Follow these quick steps:<\/p>\n<ul>\n<li><strong>Gather Statements:<\/strong> Collect your latest bills and statements for all debts.<\/li>\n<li><strong>Calculate Debt Payments:<\/strong> Add up the minimum required monthly payments.<\/li>\n<li><strong>Determine Gross Income:<\/strong> Use your paycheck stubs or tax returns to find your pre-tax income.<\/li>\n<li><strong>Compute the Ratio:<\/strong> Use the formula to determine your DTI.<\/li>\n<\/ul>\n<p>Knowing this number gives you a clearer picture and allows you to make informed decisions about borrowing or budgeting.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Debt-to-Income_Ratio_and_Mortgage_Lending\"><\/span>Debt-to-Income Ratio and Mortgage Lending<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When applying for a mortgage, the DTI is one of the primary factors lenders analyze. The two DTI ratios \u2014 front-end and back-end \u2014 are critical benchmarks.<\/p>\n<ul>\n<li><strong>Front-End DTI:<\/strong> Typically, lenders want this to be less than 28% of gross monthly income.<\/li>\n<li><strong>Back-End DTI:<\/strong> Generally, the acceptable range is below 43%, but can go as high as 50% with compensating factors.<\/li>\n<\/ul>\n<p>If your DTI is too high, lenders may reject your application or require you to make a larger down payment. Improving your DTI before applying increases the likelihood of loan approval and more favorable terms.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Monitoring_Your_Debt-to-Income_Ratio_Over_Time\"><\/span>Monitoring Your Debt-to-Income Ratio Over Time<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your DTI ratio isn\u2019t static; it changes as your income or debt level changes. Regularly monitoring your DTI helps avoid surprises and keeps your financial goals on track.<\/p>\n<p>Consider reviewing it whenever:<\/p>\n<ul>\n<li>You take on new debt or pay off existing loans.<\/li>\n<li>You receive a raise or income changes.<\/li>\n<li>Before applying for loans or credit cards.<\/li>\n<li>As part of your annual financial check-ups.<\/li>\n<\/ul>\n<p>This ongoing awareness supports better decision-making and healthier financial habits.<\/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\/3612\/\" title=\"Why surcharges apply to public sector cards?\">Why surcharges apply to public sector cards?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/3921\/\" title=\"Why targeting professions builds loyalty?\">Why targeting professions builds loyalty?\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_Tap-to-Pay_Speeds_Up_Checkout\"><\/span>Why Tap-to-Pay Speeds Up Checkout<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In today&#8217;s fast-paced world, convenience and speed during checkout are more important than ever. Whether you&#8217;re grabbing a coffee or shopping for essentials, waiting in long lines can be frustrating. That&#8217;s where <strong>tap-to-pay<\/strong> technology comes in, transforming how Americans handle payments. Using NFC (Near Field Communication), tap-to-pay lets customers simply hold their card or smartphone near a reader to complete purchases instantly. This quick interaction not only <strong>reduces transaction time<\/strong> but also minimizes errors and the need for pins or signatures. Retailers benefit with faster queues and happier customers, making it a win-win for everyone.<\/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_exactly_is_tap-to-pay\"><\/span>What exactly is tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><em>Tap-to-pay<\/em> is a contactless payment method that allows users to complete transactions by tapping their card or mobile device near a payment terminal using NFC technology.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_much_faster_is_tap-to-pay_compared_to_swiping_or_inserting_a_card\"><\/span>How much faster is tap-to-pay compared to swiping or inserting a card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tap-to-pay transactions typically take under 5 seconds, often cutting checkout time in half compared to chip or magnetic stripe methods.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_tap-to-pay_secure\"><\/span>Is tap-to-pay secure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, tap-to-pay uses encryption and tokenization, making it a safe method to protect your card details from fraud.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_all_stores_accept_tap-to-pay\"><\/span>Do all stores accept tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most retailers in the U.S. now accept tap-to-pay, especially major chains, but some smaller businesses may still use traditional terminals.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_my_phone_for_tap-to-pay\"><\/span>Can I use my phone for tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely. Smartphones with Apple Pay, Google Pay, or Samsung Pay support tap-to-pay for a convenient, card-free checkout experience.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_tap-to-pay_require_a_PIN_for_small_purchases\"><\/span>Does tap-to-pay require a PIN for small purchases?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, transactions under $100 usually don\u2019t require a PIN or signature, speeding up the process even more.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_limit_on_how_much_I_can_spend_using_tap-to-pay\"><\/span>Is there a limit on how much I can spend using tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most contactless payments have a limit around $100, but this can vary by issuer or retailer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_my_device_or_card_doesnt_support_tap-to-pay\"><\/span>What happens if my device or card doesn\u2019t support tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can still use chip or swipe payment methods, but the checkout process will be slower than with tap-to-pay.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_tap-to-pay_work_if_the_terminal_is_busy_or_crowded\"><\/span>Will tap-to-pay work if the terminal is busy or crowded?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, tap-to-pay requires just a brief moment near the terminal, making it efficient even during busy times.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_tap-to-pay_faster_for_merchants_too\"><\/span>Is tap-to-pay faster for merchants, too?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, merchants process payments more quickly, reducing lines and enabling better customer flow.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_tap-to-pay_reduce_human_errors_at_checkout\"><\/span>Can tap-to-pay reduce human errors at checkout?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, since it\u2019s contactless and automatic, tap-to-pay reduces mistakes like misentered PINs or swiped errors.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_tap-to-pay_transactions_recorded_like_other_card_payments\"><\/span>Are tap-to-pay transactions recorded like other card payments?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, they appear on your bank or credit card statement just like traditional purchases.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_need_to_register_my_card_for_tap-to-pay\"><\/span>Do I need to register my card for tap-to-pay?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No registration is needed for contactless cards; just tap to pay. For mobile wallets, you\u2019ll need to add your card once.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_the_tap_payment_fails\"><\/span>What if the tap payment fails?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If tap-to-pay doesn\u2019t work, simply insert or swipe your card, or use another payment method.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_using_tap-to-pay_eco-friendly\"><\/span>Is using tap-to-pay eco-friendly?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, faster checkouts help reduce paper receipts and encourage digital payments, benefiting the environment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Tap-to-pay<\/strong> technology is revolutionizing how Americans experience checkout by offering an incredibly fast, secure, and convenient payment option. By eliminating the need to insert cards or input PINs for small transactions, it significantly cuts down wait times and improves customer satisfaction. Merchants enjoy smoother operations and reduced errors, driving a better overall shopping experience. Whether through contactless cards or mobile wallets like Apple Pay and Google Pay, tap-to-pay is increasingly accessible and broadening its impact across the U.S. If you want to speed up your checkout process, reduce hassle, and embrace the future of payments, using tap-to-pay is a simple yet effective solution.<\/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 tap-to-pay speeds up checkout? Understanding Debt-to-Income Ratio (DTI): A Key Financial Metric If you&#8217;ve ever applied for a mortgage, personal loan, or even a credit card, you may have come across the term debt-to-income ratio or DTI. This important financial metric plays a crucial role in determining your creditworthiness and your ability to manage &hellip;<\/p>\n","protected":false},"author":3,"featured_media":216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-4867","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\/4867","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=4867"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4867\/revisions"}],"predecessor-version":[{"id":6061,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4867\/revisions\/6061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/216"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=4867"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=4867"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=4867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}