{"id":268647,"date":"2025-06-13T17:07:25","date_gmt":"2025-06-13T11:37:25","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=268647"},"modified":"2025-06-13T17:40:17","modified_gmt":"2025-06-13T12:10:17","slug":"role-of-credit-utilization-ratio-in-credit-score","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/role-of-credit-utilization-ratio-in-credit-score\/","title":{"rendered":"The Role of Credit Utilization Ratio in Your Credit Score"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-is-credit-utilization-ratio-and-how-is-it-calculated\">What Is Credit Utilization Ratio and How Is It Calculated?<\/a><ul><li><a href=\"#the-formula\">The Formula:<\/a><\/li><li><a href=\"#practical-example\">Practical Example:<\/a><\/li><\/ul><\/li><li><a href=\"#why-credit-utilization-ratio-is-so-important\">Why Credit Utilization Ratio Is So Important<\/a><\/li><li><a href=\"#the-difference-between-individual-card-and-overall-utilization\">The Difference Between Individual Card and Overall Utilization<\/a><ul><li><a href=\"#individual-card-utilization\">Individual Card Utilization<\/a><\/li><li><a href=\"#overall-utilization\">Overall Utilization<\/a><\/li><\/ul><\/li><li><a href=\"#ideal-credit-utilization-ratio-how-low-is-low-enough\">Ideal Credit Utilization Ratio: How Low Is Low Enough?<\/a><\/li><li><a href=\"#when-does-your-utilization-ratio-get-reported\">When Does Your Utilization Ratio Get Reported?<\/a><\/li><li><a href=\"#how-often-does-your-credit-utilization-ratio-affect-your-score\">How Often Does Your Credit Utilization Ratio Affect Your Score?<\/a><\/li><li><a href=\"#how-to-lower-your-credit-utilization-ratio\">How to Lower Your Credit Utilization Ratio<\/a><ul><li><a href=\"#1-pay-down-balances-before-the-statement-closing-date\">1. Pay Down Balances Before the Statement Closing Date<\/a><\/li><li><a href=\"#2-request-credit-limit-increases\">2. Request Credit Limit Increases<\/a><\/li><li><a href=\"#3-spread-your-spending-across-multiple-cards\">3. Spread Your Spending Across Multiple Cards<\/a><\/li><li><a href=\"#4-avoid-closing-old-cards\">4. Avoid Closing Old Cards<\/a><\/li><\/ul><\/li><li><a href=\"#credit-utilization-and-its-relationship-with-payment-history\">Credit Utilization and Its Relationship with Payment History<\/a><\/li><li><a href=\"#common-misconceptions-about-credit-utilization\">Common Misconceptions About Credit Utilization<\/a><ul><li><a href=\"#myth-1-carrying-a-balance-improves-credit\">Myth 1: Carrying a Balance Improves Credit<\/a><\/li><li><a href=\"#myth-2-total-utilization-is-all-that-matters\">Myth 2: Total Utilization Is All That Matters<\/a><\/li><li><a href=\"#myth-3-credit-utilization-only-applies-to-credit-cards\">Myth 3: Credit Utilization Only Applies to Credit Cards<\/a><\/li><\/ul><\/li><li><a href=\"#how-quickly-can-reducing-your-utilization-boost-your-score\">How Quickly Can Reducing Your Utilization Boost Your Score?<\/a><\/li><li><a href=\"#beems-tools-to-manage-credit-utilization-effectively\">Beem\u2019s Tools to Manage Credit Utilization Effectively<\/a><\/li><li><a href=\"#how-credit-utilization-impacts-other-credit-factors\">How Credit Utilization Impacts Other Credit Factors<\/a><\/li><li><a href=\"#what-happens-if-your-utilization-is-too-high\">What Happens If Your Utilization Is Too High?<\/a><\/li><li><a href=\"#tips-for-those-with-limited-credit-options\">Tips for Those with Limited Credit Options<\/a><ul><li><a href=\"#fa-qs-on-the-role-of-credit-utilization-ratio-in-your-credit-score\">FAQs on The Role of Credit Utilization Ratio in Your Credit Score<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1749813589337\">What is a good credit utilization ratio?<\/a><\/li><li><a href=\"#faq-question-1749813598273\">Does paying off my credit card balance in full help my utilization?<\/a><\/li><li><a href=\"#faq-question-1749813614301\">Will increasing my credit limit lower my utilization ratio?<\/a><\/li><li><a href=\"#faq-question-1749813622739\">Does credit utilization apply to loans?<\/a><\/li><li><a href=\"#faq-question-1749813635656\">How can Beem help me manage my credit utilization?<\/a><ul><\/ul><\/li><li><a href=\"#your-credit-utilization-ratio-is-a-powerful-tool\">Your Credit Utilization Ratio Is a Powerful Tool<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>If you\u2019re trying to improve your credit score, the one factor you can\u2019t afford to ignore is your credit utilization ratio. It\u2019s often the silent driver behind sudden drops or gains in your score, sometimes even more impactful than making a payment on time. While many credit-conscious individuals focus primarily on payment history, understanding and managing your credit utilization can be a game-changer. The role of credit utilization ratio in your credit score is significant\u2014it reflects how much of your available credit you&#8217;re using. High utilization can signal risk to lenders even if you\u2019ve never missed a payment.<\/p>\n\n\n\n<p>This guide will explain everything you need to know about credit utilization \u2014 what it is, why it matters, how it\u2019s calculated, and how to use it to your advantage. We\u2019ll also share actionable tips and explain how <a href=\"https:\/\/trybeem.com\/credit-score-monitoring\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s credit monitoring tools<\/a> make staying on top of utilization easier than ever.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-credit-utilization-ratio-and-how-is-it-calculated\">What Is Credit Utilization Ratio and How Is It Calculated?<\/h2>\n\n\n\n<p>Your credit utilization ratio tells lenders how much of your available revolving credit you\u2019re currently using. Revolving credit includes credit cards, lines of credit, and similar accounts whose balance fluctuates monthly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-formula\">The Formula:<\/h3>\n\n\n\n<p>Credit Utilization Ratio=(Total Credit Card BalancesTotal Credit Limits)\u00d7100\\text{Credit Utilization Ratio} = \\left( \\frac{\\text{Total Credit Card Balances}}{\\text{Total Credit Limits}} \\right) \\times 100<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"practical-example\">Practical Example:<\/h3>\n\n\n\n<p>Imagine you have three credit cards:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Card 1: $4,000 limit, $800 balance<\/li>\n\n\n\n<li>Card 2: $3,000 limit, $1,200 balance<\/li>\n\n\n\n<li>Card 3: $2,000 limit, $400 balance<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Total available credit = $9,000<\/p>\n\n\n\n<p>Total balances = $2,400<\/p>\n\n\n\n<p>Credit Utilization Ratio = (2,400 \/ 9,000) \u00d7 100 = 26.7%<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-credit-utilization-ratio-is-so-important\">Why Credit Utilization Ratio Is So Important<\/h2>\n\n\n\n<p>Credit utilization is roughly 30% of your FICO\u00ae Score \u2014 second only to payment history. It\u2019s a powerful indicator for lenders of your dependency on borrowed money.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low utilization suggests financial discipline and low risk.<\/li>\n\n\n\n<li>High utilization can signal financial stress and increased default risk.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Think of it like your credit &#8216;usage meter&#8217;. The lower it stays, the better your credit looks.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/improve-credit-utilization-boost\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Improve Credit Utilization to Boost Your Credit Score Fast<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-difference-between-individual-card-and-overall-utilization\">The Difference Between Individual Card and Overall Utilization<\/h2>\n\n\n\n<p>Your credit utilization is evaluated at two levels:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"individual-card-utilization\">Individual Card Utilization<\/h3>\n\n\n\n<p>If you max out one card, it can harm your score even if your total utilization across all cards is low. For example, maxing out a $1,000 limit card while keeping others at zero can negatively affect your score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"overall-utilization\">Overall Utilization<\/h3>\n\n\n\n<p>This measures your total balances relative to total credit limits across all cards. Keeping your overall utilization low shows you\u2019re not overextended.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ideal-credit-utilization-ratio-how-low-is-low-enough\">Ideal Credit Utilization Ratio: How Low Is Low Enough?<\/h2>\n\n\n\n<p>While experts commonly advise keeping utilization under 30%, aiming for under 10% can boost your score. If your total available credit is $10,000, try to maintain balances under $3,000 \u2014 ideally under $1,000.<\/p>\n\n\n\n<p>Many high scorers maintain very low utilization ratios, even below 5%. This signals to lenders that you rarely rely on credit for everyday spending and <a href=\"https:\/\/trybeem.com\/blog\/essential-budgeting-tips-for-freelancers\/\" target=\"_blank\" rel=\"noreferrer noopener\">manage your finances<\/a> responsibly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"when-does-your-utilization-ratio-get-reported\">When Does Your Utilization Ratio Get Reported?<\/h2>\n\n\n\n<p>Your credit card issuer reports your balance and credit limit to the credit bureaus monthly, usually around the statement closing date \u2014 not the payment due date.<\/p>\n\n\n\n<p>This means that if you pay your balance after the closing date but before the due date, the higher balance at closing is reported and reflected in your utilization ratio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-often-does-your-credit-utilization-ratio-affect-your-score\">How Often Does Your Credit Utilization Ratio Affect Your Score?<\/h2>\n\n\n\n<p>Credit scores typically update once every 30 days when new data is reported to bureaus. Your utilization ratio at the time of reporting impacts your next score update.<\/p>\n\n\n\n<p>This explains why your score may fluctuate even if you consistently pay on time.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/lower-credit-utilization-improve\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lower Credit Utilization: The Easiest Way to Improve Your Credit Score<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-lower-your-credit-utilization-ratio\">How to Lower Your Credit Utilization Ratio<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-pay-down-balances-before-the-statement-closing-date\">1. Pay Down Balances Before the Statement Closing Date<\/h3>\n\n\n\n<p>Pay your credit card balances before the statement closing date to lower your reported utilization. This ensures the balance reported to bureaus is lower.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-request-credit-limit-increases\">2. Request Credit Limit Increases<\/h3>\n\n\n\n<p>A higher credit limit with the same or lower balance reduces your utilization ratio. To avoid damaging your score, check that your issuer uses a soft inquiry for limit increases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-spread-your-spending-across-multiple-cards\">3. Spread Your Spending Across Multiple Cards<\/h3>\n\n\n\n<p>Avoid maxing out one card. Use several cards with lower balances to keep individual utilization ratios low.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-avoid-closing-old-cards\">4. Avoid Closing Old Cards<\/h3>\n\n\n\n<p>Closing credit cards reduces your total available credit, raising your overall utilization and hurting your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"credit-utilization-and-its-relationship-with-payment-history\">Credit Utilization and Its Relationship with Payment History<\/h2>\n\n\n\n<p>While utilization accounts for 30% of your score, payment history makes up 35%. Even with low utilization, missed or late payments can drastically hurt your score.<\/p>\n\n\n\n<p>Conversely, a solid payment history can offset a higher utilization ratio, but keeping both in check is best.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-misconceptions-about-credit-utilization\">Common Misconceptions About Credit Utilization<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-1-carrying-a-balance-improves-credit\">Myth 1: Carrying a Balance Improves Credit<\/h3>\n\n\n\n<p>Some believe carrying a small balance builds credit. In reality, paying off your balance in full and maintaining low utilization is best.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-2-total-utilization-is-all-that-matters\">Myth 2: Total Utilization Is All That Matters<\/h3>\n\n\n\n<p>Individual card utilization impacts your score, too. Maxing out a single card can reduce your score even if your overall utilization is low.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"myth-3-credit-utilization-only-applies-to-credit-cards\">Myth 3: Credit Utilization Only Applies to Credit Cards<\/h3>\n\n\n\n<p>It only applies to revolving credit, not installment loans like car loans or mortgages.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-quickly-can-reducing-your-utilization-boost-your-score\">How Quickly Can Reducing Your Utilization Boost Your Score?<\/h2>\n\n\n\n<p>When you lower your utilization ratio \u2014 through paying down balances or increasing limits \u2014 you can see improvements in your credit score as soon as the next reporting cycle, typically 30 days.<\/p>\n\n\n\n<p>Consistent low utilization over several months leads to stronger credit profiles.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/track-and-improve-credit-utilization\/\" target=\"_blank\" rel=\"noreferrer noopener\">Track and Improve Credit Utilization with Beem\u2019s Tools<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"beems-tools-to-manage-credit-utilization-effectively\">Beem\u2019s Tools to Manage Credit Utilization Effectively<\/h2>\n\n\n\n<p>The credit monitoring platform by <a href=\"http:\/\/trybeem.com\" data-type=\"link\" data-id=\"trybeem.com\">Beem<\/a> makes it easy to keep utilization in check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visual dashboards track your balances, limits, and utilization ratios<\/li>\n\n\n\n<li>Custom alerts notify you if utilization crosses risky thresholds.<\/li>\n\n\n\n<li>Score Simulator allows you to preview how paying down balances or increasing credit limits will impact your score<\/li>\n\n\n\n<li><a href=\"https:\/\/trybeem.com\/blog\/lower-debt-income-ratio-boost-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">Debt-to-income analysis<\/a> to understand your overall financial health<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>With Beem, you have proactive tools to avoid credit surprises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-credit-utilization-impacts-other-credit-factors\">How Credit Utilization Impacts Other Credit Factors<\/h2>\n\n\n\n<p>High utilization can indirectly affect other factors, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit mix: If you close credit cards due to high balances, you might reduce your credit mix.<\/li>\n\n\n\n<li>New credit: Applying for new cards to increase limits can generate hard inquiries, temporarily lowering your score.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Understanding these relationships helps you plan credit moves wisely.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-happens-if-your-utilization-is-too-high\">What Happens If Your Utilization Is Too High?<\/h2>\n\n\n\n<p>Using too much of your available credit can lead to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lower credit scores, which may increase loan interest rates<\/li>\n\n\n\n<li>Credit card issuers reducing limits or closing accounts<\/li>\n\n\n\n<li>Higher risk of a debt cycle, making it harder to pay off balances<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-for-those-with-limited-credit-options\">Tips for Those with Limited Credit Options<\/h2>\n\n\n\n<p>If you don\u2019t have multiple credit cards or high limits, focus on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using your cards responsibly and paying off balances monthly<\/li>\n\n\n\n<li>Considering a secured credit card with a higher limit<\/li>\n\n\n\n<li>Adding alternative credit data like rent or utilities through services that report to bureaus<\/li>\n\n\n\n<li>Using Beem to monitor your credit health closely<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/avoid-common-credit-pitfalls-score-impact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Common Credit Pitfalls to Avoid and How They Affect Your Score<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-on-the-role-of-credit-utilization-ratio-in-your-credit-score\">FAQs on The Role of Credit Utilization Ratio in Your Credit Score<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1749813589337\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is a good credit utilization ratio?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>A good credit utilization ratio is generally under 30%. This means you use less than 30% of your available revolving credit. For the best scores, experts recommend keeping it below 10%. Low utilization signals lenders that you\u2019re managing credit responsibly and not overextending yourself.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749813598273\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does paying off my credit card balance in full help my utilization?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Paying off your balance before your statement closing date ensures the lower balance is reported to the credit bureaus, resulting in a lower utilization ratio. This can positively affect your credit score. However, paying after the statement closing date but before the payment due date may not lower the utilization reported for that month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749813614301\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Will increasing my credit limit lower my utilization ratio?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Increasing your credit limit while keeping your balance the same lowers your credit utilization ratio, which can improve your credit score. Be sure to check whether the credit issuer performs a soft or hard inquiry when you request a credit limit increase, as a hard inquiry can temporarily lower your score.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749813622739\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does credit utilization apply to loans?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>No. Credit utilization only applies to revolving credit accounts like credit cards and lines of credit. Installment loans such as mortgages, auto loans, or student loans don\u2019t impact your credit utilization ratio but influence your credit score in other ways.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1749813635656\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How can Beem help me manage my credit utilization?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Beem consolidates your credit information, clearly displaying balances, limits, and utilization ratios. It sends you alerts if your utilization exceeds a set threshold, helping you take timely action. The Score Simulator lets you model scenarios like paying down debt or increasing credit limits so you can understand how your credit score might change without any guesswork.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-a-good-credit-utilization-ratio\"><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"your-credit-utilization-ratio-is-a-powerful-tool\">Your Credit Utilization Ratio Is a Powerful Tool<\/h2>\n\n\n\n<p>Understanding and managing your credit utilization ratio is one of the most impactful steps you can take to improve your credit score. By keeping utilization low, paying your balances on time, and monitoring your credit carefully, you demonstrate to lenders that you\u2019re a responsible borrower.<\/p>\n\n\n\n<p>With Beem\u2019s comprehensive credit monitoring and educational tools, you can keep utilization in check, avoid costly surprises, and make confident, informed financial decisions. Combine this with good payment habits, and you\u2019ll be well on your way to a stronger credit profile and better financial opportunities. <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app here.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re trying to improve your credit score, the one factor you can\u2019t afford to ignore is your credit utilization ratio. It\u2019s often the silent driver behind sudden drops or gains in your score, sometimes even more impactful than making a payment on time. While many credit-conscious individuals focus primarily on payment history, understanding and [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":268626,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2309],"tags":[4790,3816,701,15258,107,168,191],"edited-by":[],"class_list":["post-268647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-beem","tag-credit-monitoring","tag-credit-score","tag-credit-utilization-ratio","tag-financial-planning","tag-money-matters","tag-personal-finance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/268647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/72"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=268647"}],"version-history":[{"count":8,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/268647\/revisions"}],"predecessor-version":[{"id":268661,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/268647\/revisions\/268661"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/268626"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=268647"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=268647"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=268647"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=268647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}