{"id":12791,"date":"2025-02-04T23:37:15","date_gmt":"2025-02-05T04:37:15","guid":{"rendered":"https:\/\/myratecompass.ca\/blog\/?p=12791"},"modified":"2025-02-04T23:37:18","modified_gmt":"2025-02-05T04:37:18","slug":"how-long-do-refunds-take-on-credit-cards","status":"publish","type":"post","link":"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/","title":{"rendered":"How Long Do Refunds Take On Credit Cards"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy counter-decimal ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/#How_Do_Credit_Card_Refunds_Work\" title=\"How Do Credit Card Refunds Work?\">How Do Credit Card Refunds Work?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/#Average_Refund_Processing_Time_For_Different_Credit_Card_Issuers\" title=\"Average Refund Processing Time For Different Credit Card Issuers\">Average Refund Processing Time For Different Credit Card Issuers<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/#Tips_To_Speed_Up_Your_Credit_Card_Refund\" title=\"Tips To Speed Up Your Credit Card Refund\">Tips To Speed Up Your Credit Card Refund<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/#Common_Issues_With_Credit_Card_Refunds\" title=\"Common Issues With Credit Card Refunds\">Common Issues With Credit Card Refunds<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/#Final_Thoughts_Managing_Expectations_for_Credit_Card_Refunds\" title=\"Final Thoughts: Managing Expectations for Credit Card Refunds\">Final Thoughts: Managing Expectations for Credit Card Refunds<\/a><\/li><\/ul><\/nav><\/div>\n<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">3<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12791\" class=\"elementor elementor-12791\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ac369c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac369c5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-94e9d54\" data-id=\"94e9d54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fda21aa elementor-widget elementor-widget-text-editor\" data-id=\"fda21aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Have you ever purchased something on your credit card only for the item to break immediately? Perhaps you realized you couldn\u2019t afford to pay your credit card balance and had to request a refund for a purchase. If you\u2019ve requested a credit card refund and find yourself wondering how long it will take, don\u2019t worry. T<b>his article will shed some light on how credit card refunds work and when you can expect to be reimbursed for your purchase<\/b>.\u00a0<\/p><p>Let\u2019s explore the world of credit card refunds by first unpacking how refunds work.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d411c2 elementor-widget elementor-widget-heading\" data-id=\"6d411c2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"How_Do_Credit_Card_Refunds_Work\"><\/span><b>How Do Credit Card Refunds Work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d6ef62 elementor-widget elementor-widget-text-editor\" data-id=\"4d6ef62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Credit card refunds can take from <b>five days<\/b> to <b>two weeks<\/b> to go through. This is because getting a credit refund is not a simple transaction reversal. There are several steps involved in a credit card refund. These are summarised below:<\/p><ol><li><b>1. Initiating the refund<\/b>: Once you request a refund, the merchant has to process the refund and initiate the transaction.<\/li><li>\u00a0<\/li><li><b>2. Credit card issuer<\/b>: The refund request goes to your credit card issuer, who needs to <b>review <\/b>and <b>verify <\/b>the request before processing it.\u00a0<\/li><li>\u00a0<\/li><li><b>3. You receive credit:<\/b> As part of your refund, you either get the exact amount of credit back in your account or the option to use it for another purchase.\u00a0<\/li><li>\u00a0<\/li><\/ol><p>This entire process verifies the refund and ensures that it\u2019s legitimate. Several factors can affect the processing time, including the <b>credit card issuer<\/b>. Each issuer has different refund policies, which can affect processing times. Another factor that can affect processing time is the <b>merchant. <\/b>Some merchants are known for processing refunds quickly, while others may take longer due to their internal processes.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-872a5f2 elementor-widget elementor-widget-heading\" data-id=\"872a5f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Average_Refund_Processing_Time_For_Different_Credit_Card_Issuers\"><\/span><b>Average Refund Processing Time For Different Credit Card Issuers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d78d7a2 elementor-widget elementor-widget-text-editor\" data-id=\"d78d7a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>While the refund processing time can vary, it&#8217;s helpful to have a general idea of the average timeframes for different credit card issuers. Keep in mind that these are just averages, and your specific refund may take longer or shorter depending on the factors mentioned earlier.<\/p><ul><li><a href=\"https:\/\/help.scotiabank.com\/article\/what-happens-if-a-credit-or-refund-is-applied-to-a-purchase-that-i-converted-into-a-scotia-selectpay-installment-plan?origin=help-center\" target=\"_blank\" rel=\"nofollow noopener\">Scotiabank-linked credit card<\/a>: If you request a credit refund via Scotiabank, you may wait up to <b>60 days<\/b> after your request to receive your refund.\u00a0<\/li><li><a href=\"https:\/\/help-blueprint.americanexpress.com\/s\/article\/Refunds-And-Disputes\" target=\"_blank\" rel=\"nofollow noopener\">American Express<\/a>: With Amex, a refund might take<b> 1-2 days<\/b> to reflect in your account.\u00a0<\/li><li><a href=\"https:\/\/developer.mastercard.com\/account-to-account-commerce-for-csp\/documentation\/use-cases\/refunds\/refunds\/\" target=\"_blank\" rel=\"nofollow noopener\">Mastercard<\/a>: Mastercard will take <b>5 to 10 days<\/b> to process your refund request.\u00a0<\/li><li>\u00a0<\/li><\/ul><p>If you have a different credit card and want to find out how long the refund will take, consider checking online or calling a customer service representative.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7790c elementor-widget elementor-widget-heading\" data-id=\"cc7790c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Tips_To_Speed_Up_Your_Credit_Card_Refund\"><\/span><b>Tips To Speed Up Your Credit Card Refund<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bef297 elementor-widget elementor-widget-text-editor\" data-id=\"1bef297\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When it comes to speeding up your credit card refund, there\u2019s not much you can do besides <b>contacting the merchant or your credit card issuer directly.<\/b> They might be able to provide you with more information on the status of your refund and potentially escalate the process if needed.\u00a0<\/p><p>If you\u2019d like to <b>track your credit card refund,<\/b> there are other ways to do this besides calling customer support:<\/p><ul><li><b>Check your credit card statement<\/b>: Check your statement regularly to see if the refund has been processed and appears as credit on your account. <\/li><li>\u00a0<\/li><\/ul><p><b>Check the credit card portal or app:<\/b> Many credit card issuers have mobile apps or online portals that can help you view the status of your transactions, including refunds. These portals often provide real-time updates on the progress of your refund.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b37f9 elementor-widget elementor-widget-heading\" data-id=\"d3b37f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Common_Issues_With_Credit_Card_Refunds\"><\/span><b>Common Issues With Credit Card Refunds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4de2e35 elementor-widget elementor-widget-text-editor\" data-id=\"4de2e35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ideally, every refund would run smoothly. But often issues can arise, whether the system is offline, the merchant made a mistake, or your credit card issuer is delayed due to a high number of refund requests, there are<b> common issues to keep in mind:<\/b><\/p>\n<ul>\n<li><b>Merchant fails to initiate the request<\/b>: If the merchant doesn\u2019t initiate the refund request immediately, there might be delays in your refund. If this is the case, follow up and escalate the issue if necessary. <br><\/li><li><br><\/li>\n<\/ul>\n<p><b>Incorrect refund amount<\/b>: Sometimes, the refund amount is incorrect. This can happen if there was a miscommunication between you and the merchant, or if the refund was not processed accurately. If you notice any discrepancies in the refund amount, reach out to the merchant and credit card issuer to rectify the situation.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7363a60 elementor-widget elementor-widget-heading\" data-id=\"7363a60\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Final_Thoughts_Managing_Expectations_for_Credit_Card_Refunds\"><\/span><b>Final Thoughts: Managing Expectations for Credit Card Refunds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04810f9 elementor-widget elementor-widget-text-editor\" data-id=\"04810f9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Remember, as a consumer, you have a <a href=\"https:\/\/www.koho.ca\/credit-cards\/credit-card-refunds-work-in-canada\/\" target=\"_blank\" rel=\"nofollow noopener\">right to a refund<\/a> if the merchant has sold you a defective item or service. If you believe a refund has been mishandled or you haven\u2019t received an appropriate resolution, you can file a complaint with a consumer protection agency or regulatory body.\u00a0<\/p><p>A credit refund can be frustratingly slow, but it\u2019s worth the wait. In the end, you\u2019ll get the credit back. Remember to stay informed and know your rights, and you\u2019ll be well on your way to navigating your refund process seamlessly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">3<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span> Have you ever purchased something on your credit card only for the item to break immediately? Perhaps you realized you couldn\u2019t afford to pay your credit card balance and had to request a refund for a purchase. If you\u2019ve requested a credit card refund and find yourself wondering how long it will take, don\u2019t worry.&hellip; <a class=\"more-link\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/how-long-do-refunds-take-on-credit-cards\/\">Continue reading <span class=\"screen-reader-text\">How Long Do Refunds Take On Credit Cards<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":12823,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[1],"tags":[21],"class_list":["post-12791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-creditcards","tag-blog-post-template-1-main-template-to-use","entry"],"aioseo_notices":[],"featured_image_urls":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-scaled.jpg",924,554,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-300x180.jpg",300,180,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-768x461.jpg",750,450,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1024x614.jpg",750,450,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1536x922.jpg",924,555,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-2048x1229.jpg",924,554,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1568x941.jpg",924,555,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-397x238.jpg",397,238,true]},"post_excerpt_stackable":"<p>Table of Contents How Do Credit Card Refunds Work?Average Refund Processing Time For Different Credit Card IssuersTips To Speed Up Your Credit Card RefundCommon Issues With Credit Card RefundsFinal Thoughts: Managing Expectations for Credit Card Refunds Reading Time: 3 Min Have you ever purchased something on your credit card only for the item to break immediately? Perhaps you realized you couldn\u2019t afford to pay your credit card balance and had to request a refund for a purchase. If you\u2019ve requested a credit card refund and find yourself wondering how long it will take, don\u2019t worry. This article will shed some&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/creditcards\/\" rel=\"category tag\">Credit Cards<\/a>","author_info":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/mohamedkonate\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-scaled.jpg",924,554,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-300x180.jpg",300,180,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-768x461.jpg",750,450,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1024x614.jpg",750,450,true],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1536x922.jpg",924,555,true],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-2048x1229.jpg",924,554,true],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-1568x941.jpg",924,555,true],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-397x238.jpg",397,238,true]},"post_excerpt_stackable_v2":"<p>Table of Contents How Do Credit Card Refunds Work?Average Refund Processing Time For Different Credit Card IssuersTips To Speed Up Your Credit Card RefundCommon Issues With Credit Card RefundsFinal Thoughts: Managing Expectations for Credit Card Refunds Reading Time: 3 Min Have you ever purchased something on your credit card only for the item to break immediately? Perhaps you realized you couldn\u2019t afford to pay your credit card balance and had to request a refund for a purchase. If you\u2019ve requested a credit card refund and find yourself wondering how long it will take, don\u2019t worry. This article will shed some&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/creditcards\/\" rel=\"category tag\">Credit Cards<\/a>","author_info_v2":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/mohamedkonate\/"},"comments_num_v2":"0 comments","jetpack_featured_media_url":"https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2024\/02\/How-Long-Do-Refunds-Take-On-Credit-Cards-scaled.jpg","_links":{"self":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/comments?post=12791"}],"version-history":[{"count":13,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12791\/revisions"}],"predecessor-version":[{"id":12835,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/12791\/revisions\/12835"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media\/12823"}],"wp:attachment":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media?parent=12791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/categories?post=12791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/tags?post=12791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}