{"id":5099,"date":"2025-06-18T06:21:04","date_gmt":"2025-06-18T09:21:04","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=5099"},"modified":"2025-06-18T06:21:04","modified_gmt":"2025-06-18T09:21:04","slug":"how-to-access-your-year-end-credit-card-summary","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/","title":{"rendered":"How to access your year-end credit card summary?"},"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\/5099\/#Understanding_the_Time_Value_of_Money_TVM\" >Understanding the Time Value of Money (TVM)<\/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\/5099\/#What_Is_the_Time_Value_of_Money\" >What Is the Time Value of Money?<\/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\/5099\/#Why_Does_the_Time_Value_of_Money_Matter\" >Why Does the Time Value of Money Matter?<\/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\/5099\/#Key_Components_of_the_Time_Value_of_Money\" >Key Components of the Time Value of Money<\/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\/5099\/#Present_Value_PV\" >Present Value (PV)<\/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\/5099\/#Future_Value_FV\" >Future Value (FV)<\/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\/5099\/#Interest_Rate_Rate_of_Return\" >Interest Rate (Rate of Return)<\/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\/5099\/#Time_Period\" >Time Period<\/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\/5099\/#Payment_Frequency\" >Payment Frequency<\/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\/5099\/#Understanding_TVM_Through_Formulas\" >Understanding TVM Through Formulas<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Future_Value_Formula\" >Future Value Formula<\/a><\/li><li class='ez-toc-page-1 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\/5099\/#Present_Value_Formula\" >Present Value Formula<\/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\/5099\/#Example\" >Example:<\/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\/5099\/#Compounding_and_Discounting_The_Two_Sides_of_TVM\" >Compounding and Discounting: The Two Sides of TVM<\/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\/5099\/#Compounding\" >Compounding<\/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\/5099\/#Discounting\" >Discounting<\/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\/5099\/#Applications_of_Time_Value_of_Money_in_Everyday_Finance\" >Applications of Time Value of Money in Everyday Finance<\/a><ul class='ez-toc-list-level-3' ><li class='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\/5099\/#Retirement_Planning\" >Retirement Planning<\/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\/5099\/#Mortgage_and_Loan_Calculations\" >Mortgage and Loan Calculations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Investing_in_Stocks_and_Bonds\" >Investing in Stocks and Bonds<\/a><\/li><\/ul><\/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\/5099\/#Time_Value_of_Money_and_Inflation\" >Time Value of Money and Inflation<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Real_vs_Nominal_Interest_Rates\" >Real vs. Nominal Interest Rates<\/a><\/li><\/ul><\/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\/5099\/#Common_Time_Value_of_Money_Problems\" >Common Time Value of Money Problems<\/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\/5099\/#Understanding_Annuities_and_Perpetuities\" >Understanding Annuities and Perpetuities<\/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\/5099\/#Annuity\" >Annuity<\/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\/5099\/#Perpetuity\" >Perpetuity<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Tips_for_Applying_Time_Value_of_Money_in_Your_Finances\" >Tips for Applying Time Value of Money in Your Finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Summary\" >Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#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-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#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-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#How_to_Access_Your_Year-End_Credit_Card_Summary\" >How to Access Your Year-End Credit Card Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs)<\/a><ul class='ez-toc-list-level-3' ><li class='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\/5099\/#What_is_a_year-end_credit_card_summary\" >What is a year-end credit card summary?<\/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\/5099\/#How_can_I_access_my_year-end_credit_card_summary_online\" >How can I access my year-end credit card summary online?<\/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\/5099\/#Do_all_credit_card_companies_provide_year-end_summaries\" >Do all credit card companies provide year-end summaries?<\/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\/5099\/#Can_I_get_a_paper_copy_of_my_year-end_credit_card_summary\" >Can I get a paper copy of my year-end credit card summary?<\/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\/5099\/#When_is_the_year-end_credit_card_summary_available\" >When is the year-end credit card summary available?<\/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\/5099\/#Is_the_year-end_credit_card_summary_the_same_as_a_monthly_statement\" >Is the year-end credit card summary the same as a monthly statement?<\/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\/5099\/#Can_I_download_my_year-end_credit_card_summary\" >Can I download my year-end credit card summary?<\/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\/5099\/#Do_I_need_the_year-end_summary_for_tax_purposes\" >Do I need the year-end summary for tax purposes?<\/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\/5099\/#What_information_is_included_in_the_summary\" >What information is included in the summary?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#What_if_I_dont_see_a_year-end_summary_in_my_account\" >What if I don\u2019t see a year-end summary in my account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Can_multiple_cards_have_separate_year-end_summaries\" >Can multiple cards have separate year-end summaries?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Is_accessing_the_year-end_summary_secure\" >Is accessing the year-end summary secure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Will_my_year-end_summary_show_my_credit_score\" >Will my year-end summary show my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Can_I_use_the_summary_to_track_rewards_points\" >Can I use the summary to track rewards points?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#How_can_I_use_my_year-end_credit_card_summary_to_improve_my_finances\" >How can I use my year-end credit card summary to improve my finances?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/5099\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>How to access your year-end credit card summary?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_the_Time_Value_of_Money_TVM\"><\/span>Understanding the Time Value of Money (TVM)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you&#8217;ve ever wondered why money in your hand today is worth more than the same amount promised in the future, you&#8217;re touching on one of the most fundamental concepts in finance: the <strong>Time Value of Money (TVM)<\/strong>. This concept underpins everything from personal financial planning and investing to business decision-making and loan structuring. In this article, we&#8217;ll dive deep into what TVM means, why it matters, and how it applies in real-world financial situations. Whether you&#8217;re a seasoned investor or just looking to grasp basic financial principles, understanding TVM will empower you to make smarter money decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_the_Time_Value_of_Money\"><\/span>What Is the Time Value of Money?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <em>Time Value of Money<\/em> is the idea that a specific amount of money today has a different value than the same amount of money at a future date. This principle is based on the potential earning capacity of money \u2014 essentially, money available now can be invested to earn interest or returns, making it worth more than the identical sum received later.<\/p>\n<p>In simple terms, <strong>one dollar received today is worth more than one dollar received a year from now<\/strong>. This difference arises due to factors like inflation, interest rates, and risk, which all affect purchasing power and investment opportunities over time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Does_the_Time_Value_of_Money_Matter\"><\/span>Why Does the Time Value of Money Matter?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The concept of TVM is crucial for several reasons, especially in finance and investing:<\/p>\n<ul>\n<li><strong>Investment Decisions:<\/strong> Helps in evaluating the worth of future cash flows from stocks, bonds, or projects.<\/li>\n<li><strong>Loan Calculations:<\/strong> Determines how much you will pay or receive when interest accrues over time.<\/li>\n<li><strong>Financial Planning:<\/strong> Guides how much money you need to save now to meet future goals like retirement or buying a home.<\/li>\n<li><strong>Business Valuation:<\/strong> Assists companies in determining the present value of future profits or costs.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Key_Components_of_the_Time_Value_of_Money\"><\/span>Key Components of the Time Value of Money<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To fully grasp TVM, it\u2019s essential to understand several core elements involved in the calculations:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Present_Value_PV\"><\/span>Present Value (PV)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Present Value<\/strong> is how much a future sum of money is worth right now, discounted back to the present. Think of it as the current equivalent of a future amount, considering a specific rate of return or interest rate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Future_Value_FV\"><\/span>Future Value (FV)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Future Value<\/strong> is the amount an investment made today will grow to over a set period at a given interest rate. It answers the question: &#8220;What will my money be worth in the future?&#8221;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interest_Rate_Rate_of_Return\"><\/span>Interest Rate (Rate of Return)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is the percentage at which money grows over time. It can be the interest rate on a savings account, the return rate on an investment, or the rate used to discount future cash flows back to their present value.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Time_Period\"><\/span>Time Period<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The length of time between the present moment and when the money will be received or invested. This is typically measured in years, months, or days.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Payment_Frequency\"><\/span>Payment Frequency<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>How frequently interest is applied or payments are made, such as annually, semi-annually, quarterly, or monthly. This can impact the growth calculation due to compounding effects.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_TVM_Through_Formulas\"><\/span>Understanding TVM Through Formulas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Calculating the time value of money generally involves a few standard formulas. While they may look technical, understanding them provides clarity on how money grows or shrinks with time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Future_Value_Formula\"><\/span>Future Value Formula<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The <strong>Future Value<\/strong> formula for a lump-sum investment is:<\/p>\n<p><em>FV = PV \u00d7 (1 + r)<sup>n<\/sup><\/em><\/p>\n<ul>\n<li><strong>PV<\/strong> = Present Value (initial investment)<\/li>\n<li><strong>r<\/strong> = interest rate per period<\/li>\n<li><strong>n<\/strong> = number of periods<\/li>\n<\/ul>\n<p>This means the initial money grows exponentially based on the interest rate compounded over each period.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Present_Value_Formula\"><\/span>Present Value Formula<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>To find the <strong>Present Value<\/strong> of a future amount, the formula is:<\/p>\n<p><em>PV = FV \/ (1 + r)<sup>n<\/sup><\/em><\/p>\n<p>This approach discounts the future value back to today&#8217;s dollars, accounting for time and interest.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Example\"><\/span>Example:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you expect to receive $1,000 five years from now, and the annual interest rate is 5%, the present value would be:<\/p>\n<p>PV = $1,000 \/ (1 + 0.05)<sup>5<\/sup> = $1,000 \/ 1.2763 \u2248 $783.53<\/p>\n<p>This means $783.53 today is equivalent to $1,000 five years later at 5% interest.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Compounding_and_Discounting_The_Two_Sides_of_TVM\"><\/span>Compounding and Discounting: The Two Sides of TVM<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding TVM involves two complementary processes: compounding and discounting.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Compounding\"><\/span>Compounding<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Compounding<\/strong> refers to the process where the money you earn on an investment generates additional earnings over time. Interest is earned on both the initial principal and the accumulated interest from previous periods.<\/p>\n<p>This is why savings or investments can grow faster than simple interest predicts \u2014 the money keeps making money.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Discounting\"><\/span>Discounting<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Discounting<\/strong> is essentially the reverse, where future cash flows are adjusted to reflect their value today. This is useful for comparing amounts received at different times or evaluating investment projects by finding their present worth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Applications_of_Time_Value_of_Money_in_Everyday_Finance\"><\/span>Applications of Time Value of Money in Everyday Finance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The TVM concept shows up in many financial scenarios people encounter regularly. Here are some key real-world examples:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Retirement_Planning\"><\/span>Retirement Planning<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When planning for retirement, you need to figure out how much money to save today to reach your future target. Using TVM, you can estimate how your current savings will grow with compound interest over the years until retirement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mortgage_and_Loan_Calculations\"><\/span>Mortgage and Loan Calculations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Mortgage lenders use TVM to determine monthly payments based on the loan amount, interest rate, and loan term. Understanding TVM helps borrowers see how much interest they pay over time and the benefits of making extra payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Investing_in_Stocks_and_Bonds\"><\/span>Investing in Stocks and Bonds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Investors use TVM to value stocks, bonds, or other securities by discounting expected future dividends, interest, or cash flows to their present value, which helps in making informed buy or sell decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Time_Value_of_Money_and_Inflation\"><\/span>Time Value of Money and Inflation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One reason why money loses value over time\u2014beyond interest rates\u2014is <strong>inflation<\/strong>. Inflation reduces the purchasing power of money, meaning that a dollar today can buy more than a dollar in the future.<\/p>\n<p>When considering TVM, inflation is crucial because it affects the real rate of return on investments and the actual value of future money.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Real_vs_Nominal_Interest_Rates\"><\/span>Real vs. Nominal Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Nominal interest rate<\/strong> is the stated rate without adjusting for inflation.<\/li>\n<li><strong>Real interest rate<\/strong> = Nominal interest rate \u2212 Inflation rate.<\/li>\n<\/ul>\n<p>Using the real interest rate helps investors understand their true earnings after factoring in inflation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Time_Value_of_Money_Problems\"><\/span>Common Time Value of Money Problems<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many financial questions you search for online relate to TVM calculations. Here are some examples and how TVM helps answer them:<\/p>\n<ul>\n<li><strong>How much should I save monthly to reach $500,000 in 20 years?<\/strong> \u2014 Use present value formulas combined with annuity calculations.<\/li>\n<li><strong>Is it better to receive $10,000 today or $12,000 in two years?<\/strong> \u2014 Compare present values of both options using your discount rate.<\/li>\n<li><strong>How much will my $5,000 investment be worth in 10 years at 7% interest?<\/strong> \u2014 Calculate future value using the compounding formula.<\/li>\n<li><strong>How much total interest will I pay on my home loan?<\/strong> \u2014 Use amortization schedules derived from TVM principles.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Annuities_and_Perpetuities\"><\/span>Understanding Annuities and Perpetuities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Financial products often involve not one-time sums but series of payments over time \u2014 this is where annuities and perpetuities come into play.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Annuity\"><\/span>Annuity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>An <strong>annuity<\/strong> is a sequence of equal payments made at regular intervals for a defined period. Examples include car loans, mortgages, and retirement pensions.<\/p>\n<p>TVM formulas for annuities help determine the present or future value of these payment streams, allowing you to compare offers or plan finances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Perpetuity\"><\/span>Perpetuity<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A <strong>perpetuity<\/strong> is similar to an annuity but with payments that continue indefinitely. Common example: certain preferred stocks paying dividends forever.<\/p>\n<p>The present value of perpetuities can be calculated simply by dividing the payment by the discount rate, making valuation straightforward.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips_for_Applying_Time_Value_of_Money_in_Your_Finances\"><\/span>Tips for Applying Time Value of Money in Your Finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Always consider your personal discount rate:<\/strong> This could be your expected investment return or loan interest rate.<\/li>\n<li><strong>Be mindful of inflation:<\/strong> Use real interest rates when planning long-term goals.<\/li>\n<li><strong>Use reliable calculators or financial software:<\/strong> Many online tools help compute PV, FV, annuities, and amortizations accurately.<\/li>\n<li><strong>Start early with savings and investments:<\/strong> The power of compounding means even small amounts grow significantly over time.<\/li>\n<li><strong>Assess loan offers carefully:<\/strong> Compare total costs by calculating the present value of payments, not just the interest rate alone.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Summary\"><\/span>Summary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>Time Value of Money<\/strong> is a foundational finance concept that explains why money today is more valuable than the same amount in the future. With factors such as interest rates, inflation, and risk in play, TVM equips you to make informed choices about saving, investing, borrowing, and spending. Mastering TVM concepts and calculations will not only improve your financial literacy but also enable you to maximize wealth and protect your purchasing power.<\/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\/4121\/\" title=\"How to access your card portal on mobile?\">How to access your card portal on mobile?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4762\/\" title=\"How to activate 2FA on your card account?\">How to activate 2FA on your card account?\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=\"How_to_Access_Your_Year-End_Credit_Card_Summary\"><\/span>How to Access Your Year-End Credit Card Summary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding your yearly credit card activity is essential for managing your finances effectively. Your year-end credit card summary provides a comprehensive overview of your spending habits, interest paid, rewards earned, and fees charged throughout the year. Accessing this summary helps you review your financial behavior, prepare for taxes, and plan your budget better. Whether you prefer online banking or printed statements, most credit card issuers make it simple to retrieve your year-end summary with just a few clicks.<\/p>\n<p>Typically, you can find your year-end summary through your credit card issuer\u2019s website or mobile app. After logging in securely, navigate to the statements or reports section and select the year-end summary for the relevant year. Some banks email this summary automatically, so be sure to check your email inbox and spam folders. If you prefer a physical copy, many issuers allow you to request one by mail. Understanding how to access and interpret your year-end credit card summary empowers you to take control of your financial health with confidence.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_year-end_credit_card_summary\"><\/span>What is a year-end credit card summary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A year-end credit card summary is a report that details your total spending, interest paid, fees charged, and rewards earned over the past year. It helps you understand your financial habits and prepare for taxes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_access_my_year-end_credit_card_summary_online\"><\/span>How can I access my year-end credit card summary online?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Log into your credit card account on the issuer\u2019s website or app, go to the statements or reports section, and select the year-end summary for the relevant year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_all_credit_card_companies_provide_year-end_summaries\"><\/span>Do all credit card companies provide year-end summaries?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most major issuers offer year-end summaries, but availability may vary. Check your credit card\u2019s online portal or contact customer service to confirm.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_get_a_paper_copy_of_my_year-end_credit_card_summary\"><\/span>Can I get a paper copy of my year-end credit card summary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many issuers offer mailed copies upon request. Contact your bank or credit card issuer\u2019s customer service for assistance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_is_the_year-end_credit_card_summary_available\"><\/span>When is the year-end credit card summary available?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Year-end summaries typically become available in January or February, shortly after the end of the calendar year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_year-end_credit_card_summary_the_same_as_a_monthly_statement\"><\/span>Is the year-end credit card summary the same as a monthly statement?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, monthly statements show activity for one month, while the year-end summary aggregates your full year\u2019s data.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_download_my_year-end_credit_card_summary\"><\/span>Can I download my year-end credit card summary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, most online portals allow you to download it as a PDF for easy saving or printing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_I_need_the_year-end_summary_for_tax_purposes\"><\/span>Do I need the year-end summary for tax purposes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It depends. The summary can help track deductible expenses or document interest but consult a tax advisor for specific needs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_information_is_included_in_the_summary\"><\/span>What information is included in the summary?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It includes total purchases, payments, interest charges, fees, credits, and rewards earned throughout the year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_I_dont_see_a_year-end_summary_in_my_account\"><\/span>What if I don\u2019t see a year-end summary in my account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Contact your issuer\u2019s customer support. There might be a delay, or they may not provide this report automatically.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_multiple_cards_have_separate_year-end_summaries\"><\/span>Can multiple cards have separate year-end summaries?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, each credit card account typically has its own summary reflecting that specific card\u2019s activity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_accessing_the_year-end_summary_secure\"><\/span>Is accessing the year-end summary secure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, accessing it through your card issuer\u2019s official website or app with secure login ensures your data remains protected.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Will_my_year-end_summary_show_my_credit_score\"><\/span>Will my year-end summary show my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No, the summary focuses on transactions and fees, not your credit score or report.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_use_the_summary_to_track_rewards_points\"><\/span>Can I use the summary to track rewards points?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Absolutely, many summaries include information on rewards earned, redeemed, and remaining balances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_use_my_year-end_credit_card_summary_to_improve_my_finances\"><\/span>How can I use my year-end credit card summary to improve my finances?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Review your spending patterns, spot unnecessary fees, and adjust your budget or card usage for better financial management.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Accessing your year-end credit card summary is a valuable step toward better financial awareness and control. This report consolidates your spending, fees, interest charges, and rewards earned throughout the year, providing a clear picture of your credit card activity. Most credit card issuers make it easy to access these summaries online or via their mobile apps, often allowing you to download or print the report. For those who prefer physical copies, customer service can assist in providing mailed statements. Understanding and reviewing your year-end summary helps identify spending habits, optimize rewards usage, and simplifies tax preparation. By regularly checking this summary, you can make informed decisions that boost your financial health and avoid surprises. If you want to maximize the benefits of your credit card and stay on top of your financial goals, start by accessing your year-end credit card summary today\u2014they\u2019re a free, insightful resource designed to empower your money management.<\/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>How to access your year-end credit card summary? Understanding the Time Value of Money (TVM) If you&#8217;ve ever wondered why money in your hand today is worth more than the same amount promised in the future, you&#8217;re touching on one of the most fundamental concepts in finance: the Time Value of Money (TVM). This concept &hellip;<\/p>\n","protected":false},"author":3,"featured_media":230,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-5099","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\/5099","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=5099"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/5099\/revisions"}],"predecessor-version":[{"id":6192,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/5099\/revisions\/6192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/230"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=5099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=5099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=5099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}