---
title: Your cousin says, "A credit card is basically free money, bro, the b… — Debt, loans, credit cards and interest · tree and pragmatics
description: Your cousin says, "A credit card is basically free money, bro, the bank just gives it ya." What's wrong? Test 1 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school, with the dependency tree and pragmatics of the question and of each option; Mova's c
---

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# Test 1 · ★ · Debt, loans, credit cards and interest

<!-- .ven lang=en -->
Your cousin says, "A credit card is basically free money, bro, the bank just gives it ya." What's wrong?

<!-- .vintro -->
**Mova's choice:** option 4 · **The right answer:** option 2 · wrong ✗ · **Who acts:** cousin, credit card, free money · **What happens:** say, be, give · **To what, where:** free money, card, ya · **Speech:** someone speaks here

<!-- .vabout -->
This is test 1 · ★ of lesson 24 «Debt, loans, credit cards and interest» of the money course of Mova's primary school. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: [the test at school](https://md.mova.elamur.ai/free/en/school-run/money/24-debt-loans-credit-cards-and-interest/#t1).

## The question {#question}

<!-- .note -->
*Sentence 1:* Your cousin says, "A credit card is basically free money, bro, the bank just gives it ya."

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:1
# text = Your cousin says, "A credit card is basically free money, bro, the bank just gives it ya."
1	Your	your	PRON	PRP$	Case=Gen|Person=2|Poss=Yes|PronType=Prs	2	nmod:poss	_	_
2	cousin	cousin	NOUN	NN	Number=Sing	3	nsubj	_	_
3	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	12	punct	_	_
5	"	"	PUNCT	``	_	12	punct	_	SpaceAfter=No
6	A	a	DET	DT	Definite=Ind|PronType=Art	8	det	_	_
7	credit	credit	NOUN	NN	Number=Sing	8	compound	_	_
8	card	card	NOUN	NN	Number=Sing	12	nsubj	_	_
9	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	12	cop	_	_
10	basically	basically	ADV	RB	_	12	advmod	_	_
11	free	free	ADJ	JJ	Degree=Pos	12	amod	_	_
12	money	money	NOUN	NN	Number=Sing	19	nsubj	_	SpaceAfter=No
13	,	,	PUNCT	,	_	14	punct	_	_
14	bro	bro	NOUN	NN	Number=Sing	12	conj	_	SpaceAfter=No
15	,	,	PUNCT	,	_	17	punct	_	_
16	the	the	DET	DT	Definite=Def|PronType=Art	17	det	_	_
17	bank	bank	NOUN	NN	Number=Sing	12	conj	_	_
18	just	just	ADV	RB	_	19	advmod	_	_
19	gives	give	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	ccomp	_	_
20	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	19	obj	_	_
21	ya	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	19	iobj	_	SpaceAfter=No
22	.	.	PUNCT	.	_	3	punct	_	SpaceAfter=No
23	"	"	PUNCT	''	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Your cousin |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent clause=Topic |
| 2 | **is a** *in a quote* | present | a credit card | free money and bro and the bank |  |  |  | basically *property* | tree rules |
| 3 | **give** *in a quote* | present | free money and bro and the bank | card | ya |  |  |  | vn give-13.1-1 «NP V NP-Dative NP»: agent=Agent you=Recipient it=Theme |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

<!-- .note -->
*Sentence 2:* What's wrong?

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:2
# text = What's wrong?
1	What	what	PRON	WP	PronType=Int	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	wrong	wrong	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	?	?	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present |  |  |  |  |  | wrong *property* | tree rules |

## The options {#options}

### Option 1 {#o1}

<!-- .ven lang=en -->
It's free money as long as you lose the card

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:o1:1
# text = It's free money as long as you lose the card
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	4	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	free	free	ADJ	JJ	Degree=Pos	4	amod	_	_
4	money	money	NOUN	NN	Number=Sing	0	root	_	_
5	as	as	ADV	RB	_	6	advmod	_	_
6	long	long	ADV	RB	Degree=Pos	4	advmod	_	_
7	as	as	SCONJ	IN	_	9	mark	_	_
8	you	you	PRON	PRP	Case=Nom|Person=2|PronType=Prs	9	nsubj	_	_
9	lose	lose	VERB	VBP	Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin	6	advcl	_	_
10	the	the	DET	DT	Definite=Def|PronType=Art	11	det	_	_
11	card	card	NOUN	NN	Number=Sing	9	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | It | free money |  |  |  | long *property* | tree rules |
| 2 | **lose** | present | you | the card |  |  |  |  | vn succeed-74-3-1 «NP V NP»: agent=Agent card=Eventuality |

### Option 2 · ✓ the right answer {#o2}

<!-- .ven lang=en -->
It's borrowed money that must be paid back, often with interest

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:o2:1
# text = It's borrowed money that must be paid back, often with interest
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	4	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	borrowed	borrow	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	4	amod	_	_
4	money	money	NOUN	NN	Number=Sing	0	root	_	_
5	that	that	PRON	WDT	PronType=Rel	8	nsubj:pass	_	_
6	must	must	AUX	MD	VerbForm=Fin	8	aux	_	_
7	be	be	AUX	VB	VerbForm=Inf	8	aux:pass	_	_
8	paid	pay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	4	acl:relcl	_	_
9	back	back	ADV	RB	_	8	advmod	_	SpaceAfter=No
10	,	,	PUNCT	,	_	11	punct	_	_
11	often	often	ADV	RB	_	8	advmod	_	_
12	with	with	ADP	IN	_	13	case	_	_
13	interest	interest	NOUN	NN	Number=Sing	8	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **borrow** | participle |  |  |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent |
| 2 | **is a** | present | It | borrowed money |  |  |  |  | tree rules |
| 3 | **pay back** | must · passive |  | borrowed money |  |  |  | with interest; often *property* | vn pay-68-1 «NP V NP»: subject=Asset |

### Option 3 {#o3}

<!-- .ven lang=en -->
Cards are free money but only on weekends

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:o3:1
# text = Cards are free money but only on weekends
1	Cards	card	NOUN	NNS	Number=Plur	4	nsubj	_	_
2	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
3	free	free	ADJ	JJ	Degree=Pos	4	amod	_	_
4	money	money	NOUN	NN	Number=Sing	0	root	_	_
5	but	but	CCONJ	CC	_	8	cc	_	_
6	only	only	ADV	RB	_	8	advmod	_	_
7	on	on	ADP	IN	_	8	case	_	_
8	weekends	weekend	NOUN	NNS	Number=Plur	4	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | Cards | free money but weekends |  |  |  |  | tree rules |

### Option 4 · ← Mova's choice {#o4}

<!-- .ven lang=en -->
Nothing, banks give free money to everyone with a card

```conllu
# sent_id = question:money:24-debt-loans-credit-cards-and-interest:t1:o4:1
# text = Nothing, banks give free money to everyone with a card
1	Nothing	nothing	PRON	NN	Number=Sing|PronType=Neg	3	compound	_	SpaceAfter=No
2	,	,	PUNCT	,	_	1	punct	_	_
3	banks	bank	NOUN	NNS	Number=Plur	4	nsubj	_	_
4	give	give	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
5	free	free	ADJ	JJ	Degree=Pos	6	amod	_	_
6	money	money	NOUN	NN	Number=Sing	4	obj	_	_
7	to	to	ADP	IN	_	8	case	_	_
8	everyone	everyone	PRON	NN	Number=Sing|PronType=Tot	4	obl	_	_
9	with	with	ADP	IN	_	11	case	_	_
10	a	a	DET	DT	Definite=Ind|PronType=Art	11	det	_	_
11	card	card	NOUN	NN	Number=Sing	4	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **give** | present | Nothing banks | free money | everyone |  |  | with a card | vn give-13.1-1 «NP V NP PP.recipient»: agent=Agent money=Theme to everyone=Recipient |

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**Text:** the tests of Mova's primary school, written for Mova (`world/data/school/`), as the course runner gave them to the student. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each text read on its own. Elamur Cosmic License.

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- ← previous: [When money is tight: "we can't afford…, exam 4](https://md.mova.elamur.ai/free/en/corpora/questions/money/23-when-money-is-tight/e4/)
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