{"id":9199,"date":"2024-01-02T15:47:28","date_gmt":"2024-01-02T20:47:28","guid":{"rendered":"https:\/\/myratecompass.ca\/blog\/?p=9199"},"modified":"2024-01-02T15:51:29","modified_gmt":"2024-01-02T20:51:29","slug":"what-are-the-penalties-for-late-payments-on-a-rewards-credit-card","status":"publish","type":"post","link":"https:\/\/myratecompass.ca\/blog\/creditcards\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/","title":{"rendered":"What Are The Penalties For Late Payments On A Rewards Credit Card?"},"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\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#What_Are_Late_Payment_Penalties_On_Rewards_Credit_Cards\" title=\"What Are Late Payment Penalties On Rewards Credit Cards? \">What Are Late Payment Penalties On Rewards Credit Cards? <\/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\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#When_And_Why_Do_Late_Penalties_Occur\" title=\"When And Why Do Late Penalties Occur? \">When And Why Do Late Penalties Occur? <\/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\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#Late_Payment_Fees_And_Interest_Rates\" title=\"Late Payment Fees And Interest Rates\">Late Payment Fees And Interest Rates<\/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\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#Impact_On_Reward_Points_And_Benefits\" title=\"Impact On Reward Points And Benefits\">Impact On Reward Points And Benefits<\/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\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#Late_Payments_Effect_On_Credit_Score\" title=\"Late Payment\u2019s Effect On Credit Score\">Late Payment\u2019s Effect On Credit Score<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/#Conclusion\" title=\"Conclusion\">Conclusion<\/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=\"9199\" class=\"elementor elementor-9199\" 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-f809053 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f809053\" 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-9e00c78\" data-id=\"9e00c78\" 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-a3adea0 elementor-widget elementor-widget-heading\" data-id=\"a3adea0\" 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=\"What_Are_Late_Payment_Penalties_On_Rewards_Credit_Cards\"><\/span><b>What Are Late Payment Penalties On Rewards Credit Cards? <\/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-96483dc elementor-widget elementor-widget-text-editor\" data-id=\"96483dc\" 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>Late payments can happen to even the most responsible credit card users. Life can get busy, and it&#8217;s easy to forget or overlook a payment deadline. When you forget to pay off your credit card balance by an agreed-upon due date, your bank or financial institution will charge a <strong>late payment penalty.<\/strong> This is not all, however. There are far-reaching financial consequences if you miss several payments or regularly get penalized.<\/p><p>This article <strong>outlines the penalties and long-term consequences you need to look out for<\/strong> if you miss a payment on a rewards credit card.<\/p><p><strong>Article key terms: <\/strong>\u00a0\u00a0<\/p><p><strong>Rewards Credit Card<\/strong>: A Credit Card that offers a rewards system for purchases &#8211; such as cashback or rewards points.<\/p><p><strong>Interest Rate<\/strong>: This is the price you pay for <a href=\"https:\/\/myratecompass.ca\/blog\/loans\/different-ways-borrow-money\/\">borrowing money<\/a> from your financial institution. This is usually a percentage of the money you borrowed.<\/p><p><strong>Annual Percentage Rate (APR)<\/strong>: This is interest specifically for credit cards, expressed as how much interest you pay at a yearly rate.<\/p><p><strong>Late payment penalty<\/strong>: This is the interest you pay for paying your credit card account balance later than the agreed-upon due date.<\/p><p><strong>Credit Score:<\/strong> a numerical representation of your creditworthiness, a measure that rates your reliability at paying back debts.<\/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-e8ceb14 elementor-widget elementor-widget-heading\" data-id=\"e8ceb14\" 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=\"When_And_Why_Do_Late_Penalties_Occur\"><\/span><b>When And Why Do Late Penalties Occur? <\/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-ea36b6f elementor-widget elementor-widget-text-editor\" data-id=\"ea36b6f\" 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 you receive a credit card statement, it usually includes a <strong>due date<\/strong> by which you must make a payment. This due date is typically a few weeks after the statement is issued, allowing you enough time to review your charges and make the necessary payment. <strong>Making a late payment means failing to submit the required payment by the specified due date.<\/strong><\/p>\n<p>Late payments are considered a breach of the agreement between you and the credit card issuer. This typically results in your bank<strong> charging you interest <\/strong>on the payment you still owe. The following section discusses this in more detail.<\/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-4d13794 elementor-widget elementor-widget-heading\" data-id=\"4d13794\" 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=\"Late_Payment_Fees_And_Interest_Rates\"><\/span><b>Late Payment Fees And Interest Rates<\/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-f0da34e elementor-widget elementor-widget-text-editor\" data-id=\"f0da34e\" 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>One of the most immediate consequences of making a late payment on a rewards credit card is the late payment fee. This fee is typically <strong>added to your balance<\/strong> and can range from $25 to $40 or even more, depending on the issuer and your card&#8217;s terms. The late payment fee is not only an inconvenience but can also<strong> quickly add up<\/strong> if you consistently miss payment deadlines.<\/p>\n<p>If you miss two payments in a year, your financial institution may<strong> increase<\/strong> your credit card\u2019s interest\/APR rate. Many credit card issuers have <strong>penalty APRs<\/strong>, which are higher interest rates that apply when you make a late payment or breach other terms of your agreement. Penalty APRs are typically a <strong>30% interest rate<\/strong> on your pending credit balance. This penalty makes it <em>significantly harder<\/em> to pay off a debt, so be diligent whenever possible.<\/p>\n<p>Besides impacting your APR rates, late payments can impact your reward points and benefits. The following section explores this in more detail.<\/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-5fdaeb6 elementor-widget elementor-widget-heading\" data-id=\"5fdaeb6\" 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=\"Impact_On_Reward_Points_And_Benefits\"><\/span><b>Impact On Reward Points And Benefits<\/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-915b1ab elementor-widget elementor-widget-text-editor\" data-id=\"915b1ab\" 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>Rewards credit cards offer enticing perks and benefits, but these rewards are not guaranteed. Late payments can result in the<strong> loss of any reward points<\/strong> accumulated during the billing cycle. This means that even if you&#8217;ve earned valuable rewards, missing a payment could make them disappear.<\/p>\n<p>Some credit card issuers may also have policies that <strong>revoke or suspend certain benefits<\/strong> if you make a late payment. For example, if your rewards credit card offers travel insurance or purchase protection, these benefits may be invalidated if you fail to make timely payments. Losing out on these perks can be frustrating, especially if you&#8217;ve been diligently earning and saving your rewards.<\/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-f769883 elementor-widget elementor-widget-heading\" data-id=\"f769883\" 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=\"Late_Payments_Effect_On_Credit_Score\"><\/span><b>Late Payment\u2019s Effect On Credit Score<\/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-b3523b8 elementor-widget elementor-widget-text-editor\" data-id=\"b3523b8\" 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>Perhaps the most significant consequence of late payments on rewards credit cards is the impact on your credit score. <strong>Late payments reflect negatively on your credit score<\/strong>, making it harder to access credit in the future that offers good interest rates and better benefits. It also makes it harder to qualify for loans, mortgages, and rental agreements.<\/p>\n<p>When you make a late payment, it is typically reported to the <a href=\"https:\/\/myratecompass.ca\/blog\/information-centre\/credit-bureau\/\">credit bureaus<\/a>, which track and calculate credit scores. The more late payments you have,<strong> the lower your credit score will get<\/strong>.<\/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-28cbf42 elementor-widget elementor-widget-heading\" data-id=\"28cbf42\" 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=\"Conclusion\"><\/span><b>Conclusion<\/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-ccc4eca elementor-widget elementor-widget-text-editor\" data-id=\"ccc4eca\" 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>Late payments can affect your credit score, credit card rewards, and even the interest rates you pay for a remaining bank balance if you surpass the grace period or regularly miss payment due dates. However, there are many steps you can take to avoid these issues, such as setting up automatic payments or finding credit cards with lower payment penalties. While many things may make this difficult, the simplest way to ensure you don\u2019t receive late payment penalties is to ensure you<strong> pay your full credit card balance each month<\/strong>.<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/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> What Are Late Payment Penalties On Rewards Credit Cards? Late payments can happen to even the most responsible credit card users. Life can get busy, and it&#8217;s easy to forget or overlook a payment deadline. When you forget to pay off your credit card balance by an agreed-upon due date, your bank or financial institution&hellip; <a class=\"more-link\" href=\"https:\/\/myratecompass.ca\/blog\/creditcards\/what-are-the-penalties-for-late-payments-on-a-rewards-credit-card\/\">Continue reading <span class=\"screen-reader-text\">What Are The Penalties For Late Payments On A Rewards Credit Card?<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":9349,"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-9199","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\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-300x206.jpg",300,206,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-768x526.jpg",750,514,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",750,514,false],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-365x250.jpg",365,250,true]},"post_excerpt_stackable":"<p>Table of Contents What Are Late Payment Penalties On Rewards Credit Cards? When And Why Do Late Penalties Occur? Late Payment Fees And Interest RatesImpact On Reward Points And BenefitsLate Payment\u2019s Effect On Credit ScoreConclusion Reading Time: 3 Min What Are Late Payment Penalties On Rewards Credit Cards? Late payments can happen to even the most responsible credit card users. Life can get busy, and it&#8217;s easy to forget or overlook a payment deadline. When you forget to pay off your credit card balance by an agreed-upon due date, your bank or financial institution will charge a late payment penalty.&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\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-150x150.jpg",150,150,true],"medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-300x206.jpg",300,206,true],"medium_large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-768x526.jpg",750,514,true],"large":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",750,514,false],"1536x1536":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"2048x2048":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"post-thumbnail":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg",924,633,false],"post-image-medium":["https:\/\/myratecompass.ca\/blog\/wp-content\/uploads\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card-365x250.jpg",365,250,true]},"post_excerpt_stackable_v2":"<p>Table of Contents What Are Late Payment Penalties On Rewards Credit Cards? When And Why Do Late Penalties Occur? Late Payment Fees And Interest RatesImpact On Reward Points And BenefitsLate Payment\u2019s Effect On Credit ScoreConclusion Reading Time: 3 Min What Are Late Payment Penalties On Rewards Credit Cards? Late payments can happen to even the most responsible credit card users. Life can get busy, and it&#8217;s easy to forget or overlook a payment deadline. When you forget to pay off your credit card balance by an agreed-upon due date, your bank or financial institution will charge a late payment penalty.&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\/2023\/12\/What-are-the-penalties-for-late-payments-on-a-rewards-credit-card.jpg","_links":{"self":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/9199","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=9199"}],"version-history":[{"count":59,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/9199\/revisions"}],"predecessor-version":[{"id":10118,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/9199\/revisions\/10118"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media\/9349"}],"wp:attachment":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media?parent=9199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/categories?post=9199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/tags?post=9199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}