{"id":341469,"date":"2026-01-05T14:11:29","date_gmt":"2026-01-05T14:11:29","guid":{"rendered":"https:\/\/www.paymeindia.in\/blog\/?p=341469"},"modified":"2026-01-06T14:31:08","modified_gmt":"2026-01-06T14:31:08","slug":"credit-score-myths-that-are-still-hurting-indians-in-2026","status":"publish","type":"post","link":"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/","title":{"rendered":"Credit Score Myths That Are Still Hurting Indians in 2026"},"content":{"rendered":"<p>In 2026, monitoring a credit score in India is simpler than ever, yet financial stress driven by incorrect credit perceptions remains widespread due to persistent credit score myths. A lot of borrowers keep suffering from loan rejection, high-interest rates, and long waits for approval, not because they have low incomes or they are not in stable jobs, but because they are still under the influence of old credit score myths. Even though the credit reporting systems, lender algorithms, and regulatory frameworks have developed at a rapid pace, the public&#8217;s knowledge has not caught up. Hence, people lose money, miss out on opportunities, and are unable to enjoy their peace of mind, not because of the actual credit risk but due to misinformation.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/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:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#myth-1-%e2%80%9cchecking-your-credit-score-frequently-lowers-it%e2%80%9d\" >Myth #1: \u201cChecking Your Credit Score Frequently Lowers It\u201d<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#the-myth\" >The Myth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#the-reality\" >The Reality<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#hard-vs-soft-enquiries\" >Hard vs Soft Enquiries<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#why-this-myth-is-dangerous-in-2026\" >Why This Myth Is Dangerous in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#2026-context-why-monitoring-matters-more-now\" >2026 Context: Why Monitoring Matters More Now<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#what-indians-should-do-instead\" >What Indians Should Do Instead<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#payme-credit-assist\" >PayMe \/ Credit Assist<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#myth-2-%e2%80%9cno-loans-or-credit-cards-good-credit-score%e2%80%9d\" >Myth #2: \u201cNo Loans or Credit Cards = Good Credit Score\u201d<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#what-rbi-rules-actually-say\" >What RBI Rules Actually Say<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#common-indian-scenarios\" >Common Indian Scenarios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#smarter-credit-behaviour-in-2026\" >Smarter Credit Behaviour in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#payme-credit-assist-alignment\" >PayMe \/ Credit Assist Alignment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#why-these-myths-still-exist-in-2026\" >Why These Myths Still Exist in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#how-credit-scoring-has-changed-in-recent-years\" >How Credit Scoring Has Changed in Recent Years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#actionable-checklist-what-indians-should-do-in-2026\" >Actionable Checklist: What Indians Should Do in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.paymeindia.in\/blog\/credit-score-myths-that-are-still-hurting-indians-in-2026\/#faqs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"myth-1-%e2%80%9cchecking-your-credit-score-frequently-lowers-it%e2%80%9d\"><\/span>Myth #1: \u201cChecking Your Credit Score Frequently Lowers It\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><span class=\"ez-toc-section\" id=\"the-myth\"><\/span><strong>The Myth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>The majority of Indians are still under the impression that checking their credit score regularly will bring it down. Thus, they do not monitor their credit report unless they need a loan or a credit card, which is often the case when they realize that there are issues that are already too late to fix.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"the-reality\"><\/span><strong>The Reality<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><strong>Checking your own credit score does NOT lower it.<\/strong><\/p>\n<p>When you check your credit score, it is considered a soft inquiry by the credit bureaus, and therefore, it does not affect the credit score at all.<\/p>\n<p>Hard inquiries, which are made when applying for credit, can cause a minor and temporary drop in the score, but only in that case.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"hard-vs-soft-enquiries\"><\/span>Hard vs Soft Enquiries<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Credit reports track two types of credit checks:<\/strong> <a href=\"https:\/\/www.paymeindia.in\/blog\/credit-inquiry\/\">Soft and hard enquiries<\/a>.<\/p>\n<p><strong>Soft enquiries<\/strong> occur when individuals check their own score or during pre-approved offers, employment or insurance screening, and BNPL eligibility checks. They are visible only to the individual, do not impact the credit score, and remain on the report for one to two years.<\/p>\n<p>Hard enquiries occur when a formal credit application is submitted for loans or credit cards. Lenders access the full credit report; the enquiry is visible to all lenders, may cause a small temporary score drop, and stays on the report for up to two years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"why-this-myth-is-dangerous-in-2026\"><\/span>Why This Myth Is Dangerous in 2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In 2026, believing this myth is financially risky because avoiding regular credit checks can cause serious setbacks linked to credit score myths. Errors or fraudulent activities may go unnoticed, high credit utilisation can escalate without timely correction, and missed payments may remain unresolved until they damage the score. As a result, individuals often apply for loans without proper assessment, face rejections, and unintentionally trigger hard enquiries that cause real and lasting harm to their credit profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2026-context-why-monitoring-matters-more-now\"><\/span>2026 Context: Why Monitoring Matters More Now<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Credit monitoring has become more important than ever as Indian credit reporting systems now update rapidly with live data from banks and NBFCs. While this improves efficiency, even minor errors can quickly affect lending decisions, making regular checks essential.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"what-indians-should-do-instead\"><\/span>What Indians Should Do Instead<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Indians should adopt a proactive approach to credit management by reviewing their credit score at least once a month and focusing on overall trends rather than just the numerical value. Close attention should be given to credit utilisation levels, new enquiries, and payment status. Any unfamiliar hard enquiries should be addressed immediately to prevent long-term damage to the credit profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"payme-credit-assist\"><\/span>PayMe \/ Credit Assist<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Alignment Many Indians avoid checking their credit score due to fear, which often leads to missed errors and late corrections. Credit Assist by PayMe helps users understand that regular self-checks are safe and necessary.<\/p>\n<p><strong>Credit Assist helps users by:<\/strong><\/p>\n<ul>\n<li>Explaining soft vs hard enquiries clearly<\/li>\n<li>Showing why a score changes, not just the number<\/li>\n<li>Flagging unexpected hard enquiries<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"myth-2-%e2%80%9cno-loans-or-credit-cards-good-credit-score%e2%80%9d\"><\/span>Myth #2: \u201cNo Loans or Credit Cards = Good Credit Score\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>The Myth<\/strong><\/p>\n<p>Among the Indian population, it is a widely held notion that they could keep their credit score \u201csafe\u201d just by avoiding loans as well as credit cards. The reasoning behind this is straightforward: if there is no borrowing involved, there is no risk associated; therefore, the credit score should still be strong.<\/p>\n<p><strong>The Reality<\/strong><\/p>\n<p>A credit history that is non-existent will typically suppress the generation of a credit score or result in a weak credit score.<\/p>\n<p>Even though the Reserve Bank of India has not laid down any minimum credit score requirement for the approval of loans, the lenders still prefer borrowers who have good repayment behavior over those who have no history.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"what-rbi-rules-actually-say\"><\/span>What RBI Rules Actually Say<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Under RBI rules, no minimum credit score has been mandated for loan approvals; first-time borrowers cannot be rejected solely due to the absence of credit history, and Credit Information Reports are considered only one of several evaluation inputs. Supporting this position, Pankaj Chaudhary stated in Parliament that credit scores are not the sole deciding factor and lenders must assess applicants using multiple parameters.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"common-indian-scenarios\"><\/span>Common Indian Scenarios<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Across India, misconceptions about credit behaviour are leading many individuals to make overly cautious decisions that limit their access to formal credit.<\/p>\n<ul>\n<li>Young workers are postponing their first credit card.<\/li>\n<li>Salary earners are cancelling all their cards after receiving one rejection for a loan.<\/li>\n<li>Freelancers are staying away from the credit market completely.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"smarter-credit-behaviour-in-2026\"><\/span>Smarter Credit Behaviour in 2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Smarter credit behaviour in 2026 involves participating in the credit system responsibly rather than avoiding it altogether. Maintaining at least one active credit account, keeping credit utilisation below 30% of the available limit, and ensuring all dues are paid on time without exception help build a reliable repayment history. Over time, this consistent behaviour gradually earns lender trust and strengthens overall creditworthiness.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"payme-credit-assist-alignment\"><\/span>PayMe \/ Credit Assist Alignment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Avoiding credit entirely often results in a thin or invisible credit profile, which lenders see as risky. Credit Assist by PayMe helps users build credit safely without encouraging unnecessary debt.<\/p>\n<p>Credit Assist supports users by:<\/p>\n<ul>\n<li>Explaining why no credit history affects approvals<\/li>\n<li>Guiding first-time and thin-file users<\/li>\n<li>Promoting low-risk, controlled credit usage<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"why-these-myths-still-exist-in-2026\"><\/span>Why These Myths Still Exist in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Despite improved access to credit scores, fintech apps, and digital lenders, many young Indians continue to be misled by persistent credit myths. The root cause is not a lack of technology but inadequate credit education. Most advice still comes from family, peers, or social media, where outdated beliefs are repeated with confidence. While households often discuss saving and investing, concepts such as credit reports, EMIs, utilisation, and enquiries are rarely explained clearly. As a result, young adults develop credit behaviour based on partial or incorrect information. Credit myths persist because they offer simplified explanations for a system that actually rewards long-term financial discipline, not shortcuts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"how-credit-scoring-has-changed-in-recent-years\"><\/span>How Credit Scoring Has Changed in Recent Years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Credit scoring has moved beyond static, generic models. Earlier systems relied mainly on past repayment history and bureau data, updated slowly, and offered limited context, especially for first-time or thin-file borrowers. Today, credit decisions are faster and more data-driven, using real-time behavioural signals such as spending patterns and payment consistency. Borrowers are now evaluated on long-term behaviour trends rather than a single score.<\/p>\n<p>Machine learning\u2013based models now help lenders:<\/p>\n<ul>\n<li>Process applications in seconds, not days<\/li>\n<li>Adjust risk assessment dynamically as behaviour changes<\/li>\n<li>Make fairer decisions for young, gig-economy, and underbanked users.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"actionable-checklist-what-indians-should-do-in-2026\"><\/span>Actionable Checklist: What Indians Should Do in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Keeping a good credit score in 2026 will be possible if you rely on your good behaviour, sticking to your plan, and being aware. Do not rely on quick fixes.<\/p>\n<ul>\n<li>Look over your credit report no less than once a month (self-checks do not affect your score)<\/li>\n<li>Make sure that you pay everything on EMIs and credit cards by or before the due date<\/li>\n<li>Do not let your credit usage go over 30% of your total credit limit<\/li>\n<li>Make sure that there is always at least one credit account active in your name<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nothing can be worse than believing credit score myths, and they are quite the opposite; indeed, they are very costly and can even block one&#8217;s way to finance. In 2026, if someone uses credit properly, it is no longer a risky pitfall but a well-mannered financial instrument. Knowledge, as far as the scores system is concerned, will grant the creditors access to better rates, quicker approvals, and larger financial comfort. In the case of steady behavior and right support, a credit upturn would be foreseen and not headache-inducing. Besides, services such as <a href=\"https:\/\/www.paymeindia.in\/credit-assist\/\">PayMe Credit Assist<\/a> do the opposite of confusion: they sow the seeds of clarity, and they turn myths into measurable development.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong> Does checking a credit score reduce it in India?<br \/>\n<\/strong>No. A self-check of credit score is a soft inquiry and does not have any effect on the score.<\/li>\n<li><strong> Is it bad to have no loans or credit cards?<br \/>\n<\/strong>Yes. Lack of credit history usually causes a very thin or nonexistent credit file, thus making borrowing more difficult and expensive.<\/li>\n<li><strong> How often should I check my credit score in 2026?<br \/>\n<\/strong>Once every month would be the perfect frequency. Checking your credit score regularly helps you not only monitor the trends but also spot any errors early.<\/li>\n<li><strong> Can a low credit score be improved?<br \/>\n<\/strong>Yes. Credit scores can gradually rise through timely payments, lower usage, and disciplined credit behavior.<\/li>\n<li><strong> What is Credit Assist by PayMe?<br \/>\n<\/strong>Credit Assist is a tool for guidance that supports users in comprehension, management, and systematic improvement of their credit profiles.<\/li>\n<\/ol>\n<p><strong>Also, Read:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/how-to-rebuild-credit-after-loan-default\/\">How to Rebuild Your Credit After a Loan Default<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/what-is-credit-utilization-ratio-cur\/\">What is Credit Utilization Ratio? Your Guide to a Better CIBIL Score<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/improve-your-cibil-score-immediately\/\">How to Improve Your CIBIL Score Immediately<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/boost-your-loan-eligibility-tips\/\">Boost Your Loan Eligibility with These Tips<\/a><\/li>\n<li><a href=\"https:\/\/www.paymeindia.in\/blog\/why-cibil-score-matters-for-personal-loans\/\">Why CIBIL Score Matters for Personal Loans?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>In 2026, monitoring a credit score in India is simpler than ever, yet financial stress driven by incorrect credit perceptions remains widespread due to persistent credit score myths. A lot of borrowers keep suffering from loan rejection, high-interest rates, and long waits for approval, not because they have low incomes or they are not in [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":341612,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[557],"class_list":{"0":"post-341469","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cibil","8":"tag-credit-score-myths"},"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.paymeindia.in\/blog\/wp-content\/uploads\/2026\/01\/credit_score_myths_2026.jpeg?fit=1200%2C700&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/341469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/comments?post=341469"}],"version-history":[{"count":2,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/341469\/revisions"}],"predecessor-version":[{"id":341613,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/posts\/341469\/revisions\/341613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media\/341612"}],"wp:attachment":[{"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/media?parent=341469"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/categories?post=341469"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymeindia.in\/blog\/wp-json\/wp\/v2\/tags?post=341469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}