---
title: A debit card spends money already in the account; a credit card borr… — Cards, banks and apps · tree and pragmatics
description: A debit card spends money already in the account; a credit card borrows money that must be paid back later. Who acts: debit card, credit card. A sentence of the lesson «Cards, banks and apps» of the adult life course of Mova's primary school with its dependency tree and the pragmatics of every claus
---

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# Cards, banks and apps, sentence 2

<!-- .ven lang=en -->
A debit card spends money already in the account; a credit card borrows money that must be paid back later.

<!-- .vintro -->
**Who acts:** debit card, credit card · **What happens:** spend, borrow, pay back · **To what, where:** money, account

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This is a sentence of the lesson «Cards, banks and apps» of the adult life course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (debit card, credit card), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:adult-life:007-cards-banks-and-apps.lesson:2
# text = A debit card spends money already in the account; a credit card borrows money that must be paid back later.
# source = school lesson (ours)
# course = adult-life
# lesson = 007-cards-banks-and-apps.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×2
1	A	a	DET	DT	Definite=Ind|PronType=Art	3	det	_	_
2	debit	debit	NOUN	NN	Number=Sing	3	compound	_	_
3	card	card	NOUN	NN	Number=Sing	4	nsubj	_	_
4	spends	spend	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
5	money	money	NOUN	NN	Number=Sing	4	obj	_	_
6	already	already	ADV	RB	_	4	advmod	_	_
7	in	in	ADP	IN	_	9	case	_	_
8	the	the	DET	DT	Definite=Def|PronType=Art	9	det	_	_
9	account	account	NOUN	NN	Number=Sing	4	obl	_	_
10	;	;	PUNCT	,	_	14	punct	_	_
11	a	a	DET	DT	Definite=Ind|PronType=Art	13	det	_	_
12	credit	credit	NOUN	NN	Number=Sing	13	compound	_	_
13	card	card	NOUN	NN	Number=Sing	14	nsubj	_	_
14	borrows	borrow	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	4	parataxis	_	Agree=R7-rel-agree|Haiku=4:conj
15	money	money	NOUN	NN	Number=Sing	14	obj	_	_
16	that	that	PRON	WDT	PronType=Rel	19	nsubj:pass	_	Agree=R7-rel-agree|Haiku=19:obj
17	must	must	AUX	MD	VerbForm=Fin	19	aux	_	_
18	be	be	AUX	VB	VerbForm=Inf	19	aux:pass	_	_
19	paid	pay	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	15	acl:relcl	_	_
20	back	back	ADV	RB	_	21	advmod	_	_
21	later	late	ADV	RBR	Degree=Cmp	19	advmod	_	_
22	.	.	PUNCT	.	_	4	punct	_	_
```

## Pragmatics {#pragmatics}

<!-- .note -->
No stored speech act for this sentence.

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **spend** | present | a debit card | money |  | the account |  |  | vn consume-66-1 «NP V NP»: agent=Agent money=Asset |
| 2 | **borrow** | present | a credit card | money |  |  |  |  | vn obtain-13.5.2 «NP V NP»: agent=Agent money=Theme |
| 3 | **pay back** | must · passive |  | money |  |  |  | late *property* | vn pay-68-1 «NP V NP»: subject=Asset |

<!-- .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.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:adult-life:007-cards-banks-and-apps.lesson:2`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R7-rel-agree ×2. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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- ← previous: [Cards, banks and apps, 1](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/1/)
- next →: [Cards, banks and apps, 3](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/3/)
- ↑ back to [the lesson](https://md.mova.elamur.ai/free/en/corpora/school/adult-life/7-cards-banks-and-apps/)