---
title: Credit cards charge high interest, like 20% compared with 3% on savi… — What a bank does with your money and why banks l… · tree and pragmatics
description: Credit cards charge high interest, like 20% compared with 3% on savings, because lending on cards is risky for banks. Who acts: Credit cards, lending. A sentence of the lesson «What a bank does with your money and why banks lend» of the money course of Mova's primary school with its dependency tree 
---

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# What a bank does with your money and why banks lend, sentence 10

<!-- .ven lang=en -->
Credit cards charge high interest, like 20% compared with 3% on savings, because lending on cards is risky for banks.

<!-- .vintro -->
**Who acts:** Credit cards, lending · **What happens:** charge, compare, be · **To what, where:** high interest

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This is a sentence of the lesson «What a bank does with your money and why banks lend» of the money 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 (Credit cards, lending), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:028-what-a-bank-does-with-your-money.lesson:10
# text = Credit cards charge high interest, like 20% compared with 3% on savings, because lending on cards is risky for banks.
# source = school lesson (ours)
# course = money
# lesson = 028-what-a-bank-does-with-your-money.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 ×3
1	Credit	credit	NOUN	NN	Number=Sing	2	compound	_	_
2	cards	card	NOUN	NNS	Number=Plur	3	nsubj	_	_
3	charge	charge	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	high	high	ADJ	JJ	Degree=Pos	5	amod	_	_
5	interest	interest	NOUN	NN	Number=Sing	3	obj	_	_
6	,	,	PUNCT	,	_	9	punct	_	_
7	like	like	ADP	IN	_	9	case	_	_
8	20	20	NUM	CD	NumForm=Digit|NumType=Card	9	nummod	_	_
9	%	%	SYM	NN	Number=Sing	5	nmod	_	Agree=R7-rel-agree|Haiku=5:appos|HaikuPos=NOUN:NN:Number=Sing
10	compared	compare	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	9	acl	_	_
11	with	with	ADP	IN	_	13	case	_	_
12	3	3	NUM	CD	NumForm=Digit|NumType=Card	13	nummod	_	_
13	%	%	NOUN	NN	Number=Sing	10	obl	_	_
14	on	on	ADP	IN	_	15	case	_	_
15	savings	savings	NOUN	NNS	Number=Ptan	13	nmod	_	_
16	,	,	PUNCT	,	_	22	punct	_	_
17	because	because	SCONJ	IN	_	22	mark	_	_
18	lending	lend	NOUN	NN	Number=Sing	22	nsubj	_	Agree=R7-rel-agree|Haiku=22:csubj|HaikuPos=VERB:VBG:VerbForm=Ger
19	on	on	ADP	IN	_	20	case	_	_
20	cards	card	NOUN	NNS	Number=Plur	18	nmod	_	Agree=R7-rel-agree|Haiku=18:obl
21	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	22	cop	_	_
22	risky	risky	ADJ	JJ	Degree=Pos	3	advcl	_	_
23	for	for	ADP	IN	_	24	case	_	_
24	banks	bank	NOUN	NNS	Number=Plur	22	obl	_	_
25	.	.	PUNCT	.	_	3	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 | **charge** | present | Credit cards | high interest |  |  |  |  | vn run-51.3.2 «PP.location V NP»: agent=Initial\_Location interest=Theme |
| 2 | **compare** | participle |  |  |  |  |  | with 3 % on savings | vn amalgamate-22.2-2 «NP V PP»: agent=Patient with %=Co-Patient |
| 3 | **is** | present | lending on cards |  |  |  |  | for banks; risky *property* | tree rules |

<!-- .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:money:028-what-a-bank-does-with-your-money.lesson:10`.

**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 ×3. **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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