{"id":538,"date":"2022-09-04T11:16:25","date_gmt":"2022-09-04T11:16:25","guid":{"rendered":"https:\/\/www.uaefuture.org\/?p=538"},"modified":"2022-09-04T11:16:25","modified_gmt":"2022-09-04T11:16:25","slug":"%d9%87%d9%84-%d9%8a%d8%ac%d8%a8-%d8%a3%d9%86-%d8%aa%d8%ad%d8%b5%d9%84-%d8%b9%d9%84%d9%89-%d8%a8%d8%b7%d8%a7%d9%82%d8%a9-%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86%d9%8a%d8%a9-%d8%ab%d8%a7%d9%86%d9%8a%d8%a9","status":"publish","type":"post","link":"https:\/\/www.uaefuture.org\/?p=538","title":{"rendered":"\u0647\u0644 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062b\u0627\u0646\u064a\u0629\u061f  4 \u0623\u0634\u064a\u0627\u0621 \u0644\u0644\u0646\u0638\u0631 \u0641\u064a\u0647\u0627"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>\u0627\u0641\u062a\u062a\u062d \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 233 \u0645\u0644\u064a\u0648\u0646 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\u0625\u0646\u0643 \u062a\u062a\u062d\u0645\u0644 \u062f\u064a\u0648\u0646 \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/h3>\n<p>\u062a\u0642\u062f\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0646\u0633\u0628\u0629 \u0641\u0627\u0626\u062f\u0629 \u0633\u0646\u0648\u064a\u0629 0\u066a \u0639\u0644\u0649 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0631\u0635\u064a\u062f \u0644\u0641\u062a\u0631\u0629 \u0645\u0639\u064a\u0646\u0629 (\u0639\u0627\u062f\u0629\u064b \u0644\u0623\u0648\u0644 12 \u0623\u0648 18 \u0634\u0647\u0631\u064b\u0627).<\/p>\n<p>\u0623 <a href=\"https:\/\/www.thepennyhoarder.com\/debt\/balance-transfer-credit-card\/\">\u0628\u0637\u0627\u0642\u0629 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0631\u0635\u064a\u062f<\/a> \u0647\u064a \u0628\u0637\u0627\u0642\u0629 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\u0627\u0644\u0648\u0642\u062a.<\/p>\n<p>\u0636\u0639 \u0641\u064a \u0627\u0639\u062a\u0628\u0627\u0631\u0643 \u0623\u0646 \u0645\u0635\u062f\u0631\u064a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u064a\u0641\u0631\u0636\u0648\u0646 \u0639\u0644\u064a\u0643 \u0631\u0633\u0648\u0645\u064b\u0627 &#8211; \u0639\u0627\u062f\u0629\u064b 2\u066a \u0625\u0644\u0649 3\u066a &#8211; \u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0631\u0635\u064a\u062f.<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0628\u062d\u062b \u0639\u0646 \u0628\u0637\u0627\u0642\u0629 \u062a\u062d\u0648\u064a\u0644 \u0631\u0635\u064a\u062f \u060c \u0641\u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646\u0643 \u0642\u0628\u0644 \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0645\u0647\u064a\u062f\u064a\u0629.  \u0628\u0639\u062f \u0630\u0644\u0643 \u060c \u0633\u0648\u0641 \u064a\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u060c \u0648\u0642\u062f \u064a\u0646\u062a\u0647\u064a \u0628\u0643 \u0627\u0644\u0623\u0645\u0631 \u0641\u064a \u062f\u0648\u0631\u0629 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649.<\/p>\n<h3>4. \u062a\u0631\u064a\u062f \u0628\u0637\u0627\u0642\u0629 \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0629<\/h3>\n<p>\u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0623\u0645\u0631 72 \u0633\u0627\u0639\u0629 \u0623\u0648 \u0623\u0643\u062b\u0631 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0628\u062f\u064a\u0644\u0629 \u062c\u062f\u064a\u062f\u0629 \u0641\u064a \u0627\u0644\u0628\u0631\u064a\u062f.  \u0642\u062f \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062b\u0627\u0646\u064a\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u0641\u0642\u062f \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u060c \u0623\u0648 \u0648\u062c\u062f\u062a \u0646\u0641\u0633\u0643 \u0641\u064a \u0645\u062a\u062c\u0631 \u0644\u0627 \u064a\u0642\u0628\u0644 Uncover \u0623\u0648 MasterCard.<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062b\u0627\u0646\u064a\u0629 \u0623\u064a\u0636\u064b\u0627 \u0641\u064a \u062a\u063a\u0637\u064a\u0629 \u0646\u0641\u0642\u0627\u062a \u0643\u0628\u064a\u0631\u0629 \u063a\u064a\u0631 \u0645\u062a\u0648\u0642\u0639\u0629.  \u064a\u0645\u0643\u0646\u0643 \u062a\u0642\u0633\u064a\u0645 \u0627\u0644\u0641\u0627\u062a\u0648\u0631\u0629 \u0628\u064a\u0646 \u0628\u0637\u0627\u0642\u062a\u064a\u0646 \u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0633\u0627\u0639\u062f\u0643 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 <a href=\"https:\/\/www.thepennyhoarder.com\/credit-scores\/credit-utilization\/\">\u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/a>.<\/p>\n<h2>\u0633\u0628\u0628\u0627\u0646 \u0645\u0647\u0645\u0627\u0646 \u0644\u0639\u062f\u0645 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062b\u0627\u0646\u064a\u0629<\/h2>\n<p>\u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0645\u0646\u0637\u0642\u064a \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u062d\u062f\u0629 \u0641\u0642\u0637.<\/p>\n<h3>1. \u0623\u0646\u062a \u062a\u0643\u0627\u0641\u062d \u0628\u0627\u0644\u0641\u0639\u0644 \u0645\u0639 \u062f\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h3>\n<p>\u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0623\u0646 <a href=\"https:\/\/www.thepennyhoarder.com\/debt\/how-to-pay-off-credit-card-debt\/\">\u0633\u062f\u0627\u062f \u062f\u064a\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/a> \u0644\u062f\u064a\u0643 \u0628\u0627\u0644\u0641\u0639\u0644 \u0642\u0628\u0644 \u0627\u0644\u062a\u0642\u062f\u0645 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629.<\/p>\n<p>\u0644\u0645\u0627\u0630\u0627 \u0627\u061f  \u064a\u0636\u0627\u0639\u0641 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629 \u0645\u0646 \u0641\u0631\u0635\u062a\u0643 \u0641\u064a \u0627\u0644\u063a\u0631\u0642 \u0641\u064a \u0627\u0644\u062f\u064a\u0648\u0646 \u060c \u062e\u0627\u0635\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0643\u0627\u0641\u062d \u0628\u0627\u0644\u0641\u0639\u0644 \u0644\u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0648\u0644\u0649.<\/p>\n<p>\u0644\u0627 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0642\u062a\u0631\u0628 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648 &#8220;\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644&#8221;.  \u0628\u0628\u0633\u0627\u0637\u0629 \u0644\u0627 \u062a\u0641\u0639\u0644 \u0630\u0644\u0643.<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0631\u063a\u0628 \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629 \u062d\u062a\u0649 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u062a\u062d\u0648\u064a\u0644 \u0631\u0635\u064a\u062f\u0643 \u0627\u0644\u062d\u0627\u0644\u064a \u0648\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u060c \u0641\u0643\u0646 \u062d\u0630\u0631\u064b\u0627 \u0648\u0627\u0642\u0631\u0623 \u0627\u0644\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u062f\u0642\u064a\u0642\u0629.  \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0623\u0631\u0635\u062f\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0623\u062f\u0627\u0629 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\u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0648\u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0643\u0644 \u0634\u0647\u0631.  \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629 \u0633\u064a\u063a\u0631\u064a\u0643 \u0641\u0642\u0637 \u0628\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u060c \u0641\u062a\u062e\u0637\u0647.<\/p>\n<h3>2. \u0623\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0623\u0648 \u0631\u0647\u0646 \u0639\u0642\u0627\u0631\u064a \u0642\u0631\u064a\u0628\u064b\u0627<\/h3>\n<p>\u0633\u062a\u062a\u0644\u0642\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0636\u0631\u0628\u0629 \u0642\u0635\u064a\u0631\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u062f\u0645 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f\u0629.<\/p>\n<p>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0633\u064a\u0627\u0631\u0629 \u0623\u0648 <a href=\"https:\/\/www.thepennyhoarder.com\/home-buying\/best-mortgage-rate-online\/\">\u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a<\/a> \u0641\u064a \u063a\u0636\u0648\u0646 \u0627\u0644\u0623\u0634\u0647\u0631 \u0627\u0644\u0633\u062a\u0629 \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u060c \u0642\u062f \u062a\u0631\u063a\u0628 \u0641\u064a \u062a\u0623\u062c\u064a\u0644 \u062a\u0637\u0628\u064a\u0642 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0647\u0630\u0627.<\/p>\n<p>\u0648\u0628\u0627\u0644\u0645\u062b\u0644 \u060c \u0641\u0625\u0646 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u062a\u0639\u062f\u062f\u0629 \u0641\u064a \u063a\u0636\u0648\u0646 \u0639\u0627\u0645 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.  (\u064a\u062a\u0644\u0642\u0649 \u0627\u0626\u062a\u0645\u0627\u0646\u0643 \u0636\u0631\u0628\u0629 \u0641\u064a \u0643\u0644 \u0645\u0631\u0629 \u062a\u0642\u0648\u0645 \u0641\u064a\u0647\u0627 \u0645\u0624\u0633\u0633\u0629 \u0645\u0627\u0644\u064a\u0629 \u0628\u0636\u0631\u0628 <a href=\"https:\/\/www.thepennyhoarder.com\/credit-scores\/soft-vs-hard-credit-check\/\">\u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0633\u062d\u0628 \u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/a>.)<\/p>\n<p>\u062a\u0642\u0644\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0623\u064a\u0636\u064b\u0627 \u0645\u0646 \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0639\u0645\u0631 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u060c \u0645\u0645\u0627 \u064a\u0644\u0639\u0628 \u062f\u0648\u0631\u064b\u0627 \u0641\u064a \u0645\u062c\u0645\u0648\u0639 \u0646\u0642\u0627\u0637 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.  \u0642\u062f \u062a\u0646\u062e\u0641\u0636 \u062f\u0631\u062c\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0642\u0644\u064a\u0644\u0627\u064b \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0628\u0627\u0644\u0641\u0639\u0644 \u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u0635\u064a\u0631 \u062b\u0645 \u0642\u0645 \u0628\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629.<\/p>\n<figure id=\"attachment_168394\" style=\"width: 1024px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"lazyload size-large wp-image-168394\" src=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-1024x683.jpg\" alt=\"\u0632\u0648\u062c\u0627\u0646 \u064a\u062c\u0644\u0633\u0627\u0646 \u0639\u0644\u0649 \u0623\u0631\u064a\u0643\u062a\u0647\u0645\u0627 \u0623\u062b\u0646\u0627\u0621 \u0634\u0631\u0627\u0621 \u0634\u062e\u0635 \u0645\u0627 \u0639\u0644\u0649 \u062c\u0647\u0627\u0632 iPad \u0648\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0645\u062a\u0646\u0627\u0648\u0644 \u0627\u0644\u064a\u062f. \" width=\"1024\" height=\"683\" srcset=\"https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-1024x683.jpg 1024w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-360x240.jpg 360w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-768x512.jpg 768w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-100x67.jpg 100w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-222x148.jpg 222w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-314x209.jpg 314w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-363x242.jpg 363w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-467x311.jpg 467w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-649x433.jpg 649w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-750x500.jpg 750w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-793x529.jpg 793w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final-300x200.jpg 300w, https:\/\/cdn.thepennyhoarder.com\/wp-content\/uploads\/2022\/08\/30104918\/second-credit-card-things-look-for-final.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><figcaption class=\"wp-caption-text\">  \u0635\u0648\u0631 \u062c\u064a\u062a\u064a<\/figcaption><\/figure>\n<h2>\u0645\u0627 \u0627\u0644\u0630\u064a \u062a\u0628\u062d\u062b \u0639\u0646\u0647 \u0641\u064a \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062b\u0627\u0646\u064a\u0629<\/h2>\n<p>\u0645\u0639\u0631\u0641\u0629 <a href=\"https:\/\/www.thepennyhoarder.com\/credit-scores\/how-to-choose-a-credit-card-cs\/\">\u0643\u064a\u0641\u064a\u0629 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629<\/a> \u0623\u0646\u0647 \u0645\u0647\u0645.<\/p>\n<p>\u0641\u064a\u0645\u0627 \u064a\u0644\u064a \u0628\u0639\u0636 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0645\u0631\u0627\u0639\u0627\u062a\u0647\u0627 \u0639\u0646\u062f \u0627\u0644\u062a\u0633\u0648\u0642 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062b\u0627\u0646\u064a\u0629.<\/p>\n<h3>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u062a\u062d\u0645\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629<\/h3>\n<p>\u0625\u0644\u064a\u0643 \u0645\u0627 \u062a\u0628\u062d\u062b \u0639\u0646\u0647:<\/p>\n<ul>\n<li aria-level=\"1\"><b>0\u066a \u062a\u0645\u0647\u064a\u062f\u064a \u0623\u0628\u0631\u064a\u0644<\/b>: \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062c\u0647\u0627\u062a \u0625\u0635\u062f\u0627\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062a\u0642\u062f\u0645 0\u066a <a href=\"https:\/\/www.thepennyhoarder.com\/bank-accounts\/what-is-apr\/\">\u0645\u0639\u062f\u0644 \u0627\u0644\u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0626\u0648\u064a\u0629 \u0627\u0644\u0633\u0646\u0648\u064a<\/a> \u0639\u0627\u062f\u0629 \u0645\u0627 \u062a\u0643\u0648\u0646 \u0641\u064a \u0623\u0648\u0644 12 \u0625\u0644\u0649 18 \u0634\u0647\u0631\u064b\u0627.  \u0647\u0630\u0647 \u0645\u064a\u0632\u0629 \u062c\u064a\u062f\u0629 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646.<\/li>\n<li aria-level=\"1\"><b>\u0645\u0639\u062f\u0644 \u0623\u0628\u0631\u064a\u0644 \u0645\u0646\u062e\u0641\u0636: <\/b>\u0644\u0646 \u064a\u0633\u062a\u0645\u0631 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0644\u0637\u064a\u0641 0\u066a \u0647\u0630\u0627 \u0625\u0644\u0649 \u0627\u0644\u0623\u0628\u062f.  \u0648\u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a <a href=\"https:\/\/www.thepennyhoarder.com\/debt\/fed-interest-rate-increase\/\">\u062a\u0648\u0627\u0635\u0644 \u0632\u064a\u0627\u062f\u0629 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/a>\u0623\u0635\u0628\u062d\u062a \u062a\u0643\u0644\u0641\u0629 \u062a\u062d\u0645\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0623\u0643\u062b\u0631 \u062a\u0643\u0644\u0641\u0629.  \u062a\u0639\u0644\u0646 \u0645\u0639\u0638\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 APRs.  \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u062f\u0631\u062c\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0642\u0644 \u060c \u0641\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0623\u0639\u0644\u0649 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0646\u0637\u0627\u0642.  (\u0644\u0633\u0648\u0621 \u0627\u0644\u062d\u0638 \u060c \u0644\u0646 \u062a\u0639\u0631\u0641 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062d\u062f\u062f \u0625\u0644\u0627 \u0628\u0639\u062f \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.) \u064a\u062a\u0631\u0627\u0648\u062d \u0645\u062a\u0648\u0633\u0637 \u200b\u200b\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u064a\u0646 17\u066a \u0648 18.5\u066a.<\/li>\n<li aria-level=\"1\"><b>\u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629<\/b>: \u062a\u0642\u062f\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0645\u062a\u064a\u0627\u0632\u0627\u062a \u0644\u0627 \u062a\u0635\u062f\u0642 &#8211; \u0644\u0643\u0646 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0645\u0646 90 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0625\u0644\u0649 500 \u062f\u0648\u0644\u0627\u0631 \u0623\u0648 \u0623\u0643\u062b\u0631.  \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0633\u062f\u062f \u062f\u064a\u0648\u0646\u064b\u0627 \u060c \u0641\u0627\u0628\u062d\u062b \u0639\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u0633\u0646\u0648\u064a\u0629 \u0644\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0623\u0645\u0648\u0631.<\/li>\n<\/ul>\n<h3>\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u062f\u0641\u0639 \u0631\u0635\u064a\u062f\u0643 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0643\u0644 \u0634\u0647\u0631<\/h3>\n<p>\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0644\u0627 \u064a\u0647\u0645 \u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0644\u062f\u064a\u0643 \u0631\u0635\u064a\u062f \u0641\u064a \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u062c\u062f\u064a\u062f\u0629.<\/p>\n<p>\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0630\u0644\u0643 \u060c \u062a\u062d\u0642\u0642 \u0645\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645:<\/p>\n<ul>\n<li aria-level=\"1\"><b>\u0645\u0643\u0627\u0641\u0623\u0629 \u062a\u0631\u062d\u064a\u0628\u064a\u0629 \u0636\u062e\u0645\u0629<\/b>: \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0639\u0644\u0646 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href=\"https:\/\/www.thepennyhoarder.com\/debt\/credit-card-rewards-questions\/\">\u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u062e\u0645\u0633\u0629<\/a> \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0633\u0648\u0642.<br \/>\n<\/span><\/div>\n<h2>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0645\u062a\u062f\u0627\u0648\u0644\u0629 (FAQs)<\/h2>\n<div class=\"irc-faq-container\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"irc-faq-section\" itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\n<div class=\"irc-toggle-section\">\n<p>\u0647\u0644 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0623\u062e\u0631\u0649 \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0646\u0642\u0627\u0637 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 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\u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0647\u0648 5000 \u062f\u0648\u0644\u0627\u0631 \u0648\u0623\u0646\u0643 \u062a\u0646\u0641\u0642 \u062d\u0648\u0627\u0644\u064a 2500 \u062f\u0648\u0644\u0627\u0631 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u062a\u0643 \u0643\u0644 \u0634\u0647\u0631.  \u0646\u0633\u0628\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0647\u064a 50\u066a. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0625\u0630\u0627 \u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062b\u0627\u0646\u064a\u0629 \u0628\u062d\u062f \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0642\u062f\u0631\u0647 5000 \u062f\u0648\u0644\u0627\u0631 \u0648\u0644\u0643\u0646\u0643 \u0648\u0627\u0635\u0644\u062a \u0625\u0646\u0641\u0627\u0642 \u062d\u0648\u0627\u0644\u064a 2500 \u062f\u0648\u0644\u0627\u0631 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400;\">\u0644\u0627 \u060c \u0644\u064a\u0633 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0633\u0624\u0648\u0644.  \u0644\u0643\u0646 \u0627\u0645\u062a\u0644\u0627\u0643 \u0623\u0631\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u0623\u0643\u062b\u0631 \u0642\u062f \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0641\u064a\u062f\u064b\u0627 \u0623\u064a\u0636\u064b\u0627. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0648\u0625\u0644\u064a\u0643 \u0627\u0644\u0633\u0628\u0628: \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u0625\u062f\u0627\u0631\u0629 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0648\u062a\u0648\u0627\u0631\u064a\u062e \u0627\u0633\u062a\u062d\u0642\u0627\u0642.  \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 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\u0644\u062d\u0633\u0627\u0628\u0627\u062a\u0643. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0644\u062d\u0633\u0646 \u0627\u0644\u062d\u0638 \u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0645\u0643\u062a\u0633\u0628\u0629 \u0645\u0646 \u062f\u0641\u0639 \u0641\u0627\u062a\u0648\u0631\u0629 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0639\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0645\u0646\u062e\u0641\u0636 \u0623\u0646 \u062a\u0639\u0648\u0636 \u062a\u0644\u0643 \u0627\u0644\u0627\u0646\u062e\u0641\u0627\u0636\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u060c \u062e\u0627\u0635\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644. <\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><i>\u0631\u0627\u0634\u064a\u0644 \u0643\u0631\u064a\u0633\u062a\u064a\u0627\u0646 \u0645\u0639\u0644\u0645\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0648\u0643\u0627\u062a\u0628\u0629 \u0643\u0628\u064a\u0631\u0629 \u0641\u064a The Penny Hoarder.<\/i><\/p>\n<p>        <!-- ACF Financial Disclaimer --><\/p>\n<p>        <!-- End ACF Financial Disclaimer --><\/p>\n<p>        <!-- \n\n<div class=\"single-social-share-bottom text-center\"> --><br \/>\n                    <!-- <\/div>\n\n --><\/p>\n<p>        <!-- Newsletter Signup Form --><\/p>\n<div class=\"newsletter-signup-wrapper-for-digioh\">\n<div class=\"col-xs-12 newsletter-wrap flex-row\">\n<div class=\"container flex-container\">\n<div class=\"col-xs-12 new-newsletter-form\">\n<p class=\"text-subheading\">\u0647\u0644 \u0623\u0646\u062a \u0645\u0633\u062a\u0639\u062f \u0644\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0642\u0644\u0642 \u0628\u0634\u0623\u0646 \u0627\u0644\u0645\u0627\u0644\u061f<\/p>\n<p class=\"text-get-daily\">\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 Penny Hoarder Day by day<\/p>\n<p class=\"email-privacy-policy-blurb-white\"><a href=\"https:\/\/www.thepennyhoarder.com\/privacy\/\">\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629<\/a><\/p>\n<\/p><\/div>\n<\/div><\/div>\n<\/p><\/div>\n<p>        <!-- End Newsletter Signup Form --><\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\u0627\u0641\u062a\u062a\u062d \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 233 \u0645\u0644\u064a\u0648\u0646 \u062d\u0633\u0627\u0628 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f \u0641\u064a \u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u062b\u0627\u0646\u064a \u0645\u0646 \u0639\u0627\u0645 2022 &#8211; \u0648\u0647\u0648 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0645\u0646\u0630 \u0639\u0627\u0645 2008 \u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0628\u0646\u0643 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0641\u064a \u0646\u064a\u0648\u064a\u0648\u0631\u0643. \u0642\u062f \u062a\u0646\u0638\u0631 \u0625\u0644\u0649 \u0645\u062d\u0641\u0638\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u062a\u062a\u0633\u0627\u0621\u0644: \u0647\u0644 \u064a\u062c\u0628 \u0623\u0646 \u0623\u062d\u0635\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062b\u0627\u0646\u064a\u0629\u061f \u0627\u062a\u0636\u062d \u0623\u0646 \u0627\u0645\u062a\u0644\u0627\u0643 \u0628\u0637\u0627\u0642\u062a\u064a \u0627\u0626\u062a\u0645\u0627\u0646 \u0642\u062f \u064a\u0643\u0648\u0646 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0628\u0637\u0627\u0642\u0629 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-538","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/posts\/538","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=538"}],"version-history":[{"count":1,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/posts\/538\/revisions"}],"predecessor-version":[{"id":539,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/posts\/538\/revisions\/539"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=\/wp\/v2\/media\/540"}],"wp:attachment":[{"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=538"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=538"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.uaefuture.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=538"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}