{"id":362778,"date":"2022-09-29T11:27:06","date_gmt":"2022-09-29T17:27:06","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=362778"},"modified":"2022-09-29T11:27:09","modified_gmt":"2022-09-29T17:27:09","slug":"purchase-apr","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/","title":{"rendered":"What is purchase APR and how does it work?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"975\" height=\"325\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12.png\" alt=\"What is purchase APR and how does it work?\" class=\"wp-image-362779\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12.png 975w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-12-900x300.png 900w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards<\/a><\/p>\n\n\n\n<div class=\"quick-answer quick-answer--hr\">\n    <p>Purchase APR is the interest rate for a specific purchase that you make with a credit card that isn\u2019t paid in full before the grace period.<\/p>\n<\/div>\n\n\n\n<p>One of the most overlooked aspects of responsible credit card usage is the interest rate. It\u2019s easy to start spending while only paying attention to your credit card limit, but it&#8217;s recommended to keep interest rates in mind as well. A $1,000 purchase can turn into a $1,200 purchase if you aren\u2019t paying attention to your purchase APR.<\/p>\n\n\n\n<p>Remember, credit cards are borrowed money that need to be paid back to maintain good credit. While you may think that additional interest charges over the course of paying back the loan for a purchase don\u2019t cost much, it adds up when you make other purchases.<\/p>\n\n\n\n<p>Here, you\u2019ll learn the ins and outs of purchase APR as well as how it differs from other interest rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-purchase-apr\"><a><\/a><strong>What is purchase APR?<\/strong><\/h2>\n\n\n\n<p>APR stands for annual percentage rate, which is the rate of interest you pay each billing cycle on your outstanding balance. Purchase APR is specific to different purchases you make. You\u2019ll have a purchase APR for a certain amount of time, and then you\u2019ll pay your regular interest rate on the purchase.<\/p>\n\n\n\n<p>If you carry a balance on your credit card, which is when you don\u2019t pay your card in full each month, then you\u2019ll pay an interest charge. To entice you to sign up, a credit card company may offer an introductory purchase APR as low as 0 percent.<\/p>\n\n\n\n<p>When using your credit card, each type of use may have a different APR. In addition to purchase APR, some of the different types of APR include:<\/p>\n\n\n\n<ul><li>Cash advance APR<\/li><li>Penalty APR<\/li><li>Balance transfer APR<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"789\" height=\"727\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13.png\" alt=\"Types of APR\" class=\"wp-image-362781\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13.png 789w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13-300x276.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13-434x400.png 434w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13-768x708.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13-450x415.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-13-600x553.png 600w\" sizes=\"(max-width: 789px) 100vw, 789px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-purchase-aprs-work\"><a><\/a><strong>How purchase APRs work<\/strong><\/h2>\n\n\n\n<p>Your purchase APR can come in a variety of forms depending on your credit card company. For example, you may get a 0 percent interest rate on a purchase for 18 months with one card, but another card may have a rate of 3 percent for the first 21 months.<\/p>\n\n\n\n<p>While the regular APR may be 17 to 25 percent, the purchase APR may be 0 percent. This means that if you pay the purchase off within the set grace period, you\u2019ll only pay the cost of the purchase and not additional interest fees.<\/p>\n\n\n\n<p>Let\u2019s imagine you got a shiny new credit card with 20 percent regular APR but a 0 percent purchase APR for the first 12 months.<\/p>\n\n\n\n<p>You go out and buy yourself a brand-new TV for $1,000. To take advantage of the purchase APR, you pay $85 each month to pay it off within those 12 months. That TV only cost you $1,000.<\/p>\n\n\n\n<p>Now, if you bought that same TV but only paid $40 per month, at the end of that year, you\u2019ve only paid off $480. You still have $520 left to pay, and that $520 now has a 20 percent APR attached to it. If you continued to pay $40 per month, you\u2019d pay an additional $61 in interest charges. Because at $40 per month, it\u2019ll take an additional 15 months to pay that off, resulting in $61 in interest you\u2019ll also have to pay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-good-purchase-apr\"><a><\/a><strong>What is a good purchase APR?<\/strong><\/h2>\n\n\n\n<p>We\u2019ve talked quite a bit in the examples about purchase APR rates as low as 0 percent, and that\u2019s the best you\u2019ll find. In order to qualify for cards like this, you\u2019ll need a credit score that\u2019s in a decent <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/what-is-a-good-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">credit score range<\/a>. This typically means a credit score of 650 or above.<\/p>\n\n\n\n<p>In addition to a good credit score, you\u2019ll also need a good payment history. Credit card companies want to know that you\u2019re not late on payments if they\u2019re going to offer you a good purchase APR.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"1162\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14.png\" alt=\"How purchase APR works\" class=\"wp-image-362782\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14-198x300.png 198w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14-264x400.png 264w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14-450x681.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-14-600x908.png 600w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-introductory-purchase-apr\"><a><\/a><strong>What is an introductory purchase APR?<\/strong><\/h2>\n\n\n\n<p>Sometimes, your purchase APR is based on a specific time frame when you first get a credit card, and this is called an introductory rate. The credit card may have a low purchase APR, but during your first year of having the card, there might be a 0 percent interest rate on purchases. For example, the purchase APR may be 3 percent normally, but if paid within the first six months, the introductory purchase APR is 0 percent.<strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-much-does-an-introductory-apr-save-you\"><a><\/a><strong>How much does an introductory APR save you?<\/strong><\/h3>\n\n\n\n<p>A good introductory APR can save you quite a bit of money, which is more incentive to <a href=\"https:\/\/www.creditrepair.com\/blog\/finance\/how-to-improve-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">improve your credit score<\/a> if you don\u2019t meet the requirements for these types of cards. You really start to notice the difference when you make larger purchases, which can cost you much more in interest.<\/p>\n\n\n\n<p>Imagine you have a credit card with a 20 percent interest rate and a 0 percent introductory APR. This time, you\u2019re buying plane tickets to another country, and it\u2019s going to cost $3,000. Without that 0 percent APR, you\u2019d pay almost an additional $300 if you took 12 months to pay it off. If you paid it off over two years, it\u2019d be almost $600.<\/p>\n\n\n\n<p>So, yes, the introductory APR is a big money saver if you can pay off the purchase within the grace period.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"798\" height=\"736\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15.png\" alt=\"How much can you save with an introductory purchase APR?\" class=\"wp-image-362783\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15.png 798w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15-300x277.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15-434x400.png 434w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15-768x708.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15-450x415.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/image-15-600x553.png 600w\" sizes=\"(max-width: 798px) 100vw, 798px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-do-i-find-the-apr-after-the-introductory-rate-ends\"><a><\/a><strong>Where do I find the APR after the introductory rate ends?<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Finding out when your introductory rate ends involves the never-fun activity of reading the fine print. In order to find it, you can typically log into your credit card company\u2019s website and check the terms and conditions.<\/p>\n\n\n\n<p>It\u2019s also a great idea to always save the paperwork for a credit card in a safe place when you first get it. APRs can change, so this gives you a record of what the APR was when you signed up.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-credit-repair-can-get-you-the-best-apr\"><a><\/a><strong>How credit repair can get you the best APR<\/strong><\/h2>\n\n\n\n<p>Now you know how helpful a good purchase APR can be, but how do you get one? Well, it all starts with having a good credit score. When you have a <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">bad credit score<\/a>, not only is it tough to get a good purchase APR, but your regular interest rates will be higher as well. This is just one of the ways a good credit score can save you money.<\/p>\n\n\n\n<p>If you don\u2019t have ideal credit, allow CreditRepair.com to help. We have a team of credit professionals who have helped hundreds of thousands of people. We provide credit education services to help you fix your credit and maintain healthy credit, so <a href=\"https:\/\/www.creditrepair.com\/signup\" target=\"_blank\" rel=\"noreferrer noopener\">sign up today<\/a> and begin your credit repair journey.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a>The information provided on <a href=\"http:\/\/CreditRepair.com\" target=\"_blank\" rel=\"noreferrer noopener\">CreditRepair.com<\/a> does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.<\/p>\n","protected":false},"author":72,"featured_media":362780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[455],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Purchase APR and How Does It work? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is purchase APR and how does it work?\" \/>\n<meta property=\"og:description\" content=\"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-29T17:27:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-09-29T17:27:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Upuia Sagapolu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg\",\"width\":640,\"height\":420},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/\",\"name\":\"What Is Purchase APR and How Does It work? | CreditRepair.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#primaryimage\"},\"datePublished\":\"2022-09-29T17:27:06+00:00\",\"dateModified\":\"2022-09-29T17:27:09+00:00\",\"author\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/532f153c55c35e2875ebbb0328828767\"},\"description\":\"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.creditrepair.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What is purchase APR and how does it work?\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/532f153c55c35e2875ebbb0328828767\",\"name\":\"Upuia Sagapolu\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/01\/upuia_75x75.png\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/01\/upuia_75x75.png\",\"caption\":\"Upuia Sagapolu\"},\"description\":\"Upuia Sagapolu has worked in credit repair for over 17 years. She has a great wealth of knowledge and wisdom concerning the credit repair process. Upuia champions herself as a strong advocate assisting all hard-working Americans towards increasing their credit scores and achieving their financial goals. She is a firm believer that having great credit is essential to a person\u2019s credit journey, which is their financial power that leads to their financial freedom.\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/experts\/upuia-sagapolu\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Is Purchase APR and How Does It work? | CreditRepair.com","description":"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/","og_locale":"en_US","og_type":"article","og_title":"What is purchase APR and how does it work?","og_description":"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.","og_url":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/","og_site_name":"CreditRepair.com","article_published_time":"2022-09-29T17:27:06+00:00","article_modified_time":"2022-09-29T17:27:09+00:00","og_image":[{"width":640,"height":420,"url":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Written by":"Upuia Sagapolu","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/www.creditrepair.com\/blog\/#website","url":"https:\/\/www.creditrepair.com\/blog\/","name":"CreditRepair.com","description":"We are the credit repair experts","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"ImageObject","@id":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#primaryimage","inLanguage":"en-US","url":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg","contentUrl":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/09\/purchasee.jpg","width":640,"height":420},{"@type":"WebPage","@id":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#webpage","url":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/","name":"What Is Purchase APR and How Does It work? | CreditRepair.com","isPartOf":{"@id":"https:\/\/www.creditrepair.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#primaryimage"},"datePublished":"2022-09-29T17:27:06+00:00","dateModified":"2022-09-29T17:27:09+00:00","author":{"@id":"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/532f153c55c35e2875ebbb0328828767"},"description":"Purchase APR is the rate of interest that you pay on a credit card for a purchase during a set grace period, and it can save you money. Learn more here.","breadcrumb":{"@id":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.creditrepair.com\/blog\/credit-card\/purchase-apr\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.creditrepair.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What is purchase APR and how does it work?"}]},{"@type":"Person","@id":"https:\/\/www.creditrepair.com\/blog\/#\/schema\/person\/532f153c55c35e2875ebbb0328828767","name":"Upuia Sagapolu","image":{"@type":"ImageObject","@id":"https:\/\/www.creditrepair.com\/blog\/#personlogo","inLanguage":"en-US","url":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/01\/upuia_75x75.png","contentUrl":"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/01\/upuia_75x75.png","caption":"Upuia Sagapolu"},"description":"Upuia Sagapolu has worked in credit repair for over 17 years. She has a great wealth of knowledge and wisdom concerning the credit repair process. Upuia champions herself as a strong advocate assisting all hard-working Americans towards increasing their credit scores and achieving their financial goals. She is a firm believer that having great credit is essential to a person\u2019s credit journey, which is their financial power that leads to their financial freedom.","url":"https:\/\/www.creditrepair.com\/blog\/experts\/upuia-sagapolu\/"}]}},"_links":{"self":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/362778"}],"collection":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/users\/72"}],"replies":[{"embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/comments?post=362778"}],"version-history":[{"count":1,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/362778\/revisions"}],"predecessor-version":[{"id":362784,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/posts\/362778\/revisions\/362784"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/media\/362780"}],"wp:attachment":[{"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/media?parent=362778"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/categories?post=362778"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.creditrepair.com\/blog\/wp-json\/wp\/v2\/tags?post=362778"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}