(ROOT (S (NP (JJS Most) (NNPS Americans)) (VP (VBP receive) (NP (QP (ADVP (IN at) (JJS least)) (CD two) (CC or) (CD three)) (NML (NN credit) (NN card)) (NNS applications)) (PP (IN in) (NP (DT the) (NN mail))) (NP (DT every) (NN month))) (. .)))
Most Americans receive at least two or three credit card applications in the mail every month.
amod
Degree=Sup
most
Most
ADJ
JJS
nsubj
Number=Plur
American
Americans
PROPN
NNPS
root
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
receive
receive
VERB
VBP
case
at
at
ADP
IN
nmod
Degree=Sup
least
least
ADJ
JJS
nummod
NumForm=Word|NumType=Card
two
two
NUM
CD
cc
or
or
CCONJ
CC
conj
NumForm=Word|NumType=Card
three
three
NUM
CD
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
obj
Number=Plur
application
applications
NOUN
NNS
case
in
in
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
obl
Number=Sing
mail
mail
NOUN
NN
det
PronType=Tot
every
every
DET
DT
obl:tmod
Number=Sing
month
month
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (SBARQ (WHADVP (WRB Why)) (SQ (VBP have) (NP (NN credit) (NNS cards)) (VP (VB become) (ADJP (RB so) (JJ popular)))) (. ?)))
Why have credit cards become so popular?
advmod
PronType=Int
why
Why
ADV
WRB
aux
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
have
have
VERB
VBP
compound
Number=Sing
credit
credit
NOUN
NN
nsubj
Number=Plur
card
cards
NOUN
NNS
root
VerbForm=Inf
become
become
VERB
VB
advmod
so
so
ADV
RB
xcomp
Degree=Pos
popular
popular
ADJ
JJ
punct
?
?
PUNCT
.
(ROOT (S (PP (IN For) (NP (DT a) (NN merchant))) (, ,) (NP (DT the) (NN answer)) (VP (VBZ is) (ADJP (JJ obvious))) (. .)))
For a merchant, the answer is obvious.
case
for
For
ADP
IN
det
Definite=Ind|PronType=Art
a
a
DET
DT
obl
Number=Sing
merchant
merchant
NOUN
NN
punct
,
,
PUNCT
,
det
Definite=Def|PronType=Art
the
the
DET
DT
nsubj
Number=Sing
answer
answer
NOUN
NN
cop
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
root
Degree=Pos
obvious
obvious
ADJ
JJ
punct
.
.
PUNCT
.
(ROOT (S (PP (IN By) (S (VP (VBG putting) (NP (NN charge) (NNS slips)) (PP (IN in) (NP (DT a) (NN bank)))))) (, ,) (NP (DT the) (NN merchant)) (VP (MD can) (VP (VB change) (NP (NML (NN credit) (NN card)) (NNS sales)) (PP (IN into) (NP (NN cash))))) (. .)))
By putting charge slips in a bank, the merchant can change credit card sales into cash.
mark
by
By
SCONJ
IN
advcl
VerbForm=Ger
put
putting
VERB
VBG
compound
Number=Sing
charge
charge
NOUN
NN
obj
Number=Plur
slip
slips
NOUN
NNS
case
in
in
ADP
IN
det
Definite=Ind|PronType=Art
a
a
DET
DT
obl
Number=Sing
bank
bank
NOUN
NN
punct
,
,
PUNCT
,
det
Definite=Def|PronType=Art
the
the
DET
DT
nsubj
Number=Sing
merchant
merchant
NOUN
NN
aux
VerbForm=Fin
can
can
AUX
MD
root
VerbForm=Inf
change
change
VERB
VB
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
obj
Number=Plur
sale
sales
NOUN
NNS
case
into
into
ADP
IN
obl
Number=Sing
cash
cash
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (PP (IN In) (NP (NP (NN return)) (PP (IN for) (S (VP (VBG processing) (NP (NP (DT the) (NN merchant) (POS 's)) (NML (NN credit) (NN card)) (NNS transactions))))))) (, ,) (NP (DT the) (NN bank)) (VP (VBZ charges) (NP (NP (DT a) (NN fee)) (SBAR (WHNP (WDT that)) (S (VP (VBZ ranges) (PP (IN between) (NP (QP (CD 1.5) (CC and) (CD 5)) (NN percent)))))))) (. .)))
In return for processing the merchant's credit card transactions, the bank charges a fee that ranges between 1.5 and 5 percent.
case
in
In
ADP
IN
obl
Number=Sing
return
return
NOUN
NN
mark
for
for
SCONJ
IN
acl
VerbForm=Ger
process
processing
VERB
VBG
det
Definite=Def|PronType=Art
the
the
DET
DT
nmod:poss
Number=Sing
merchant
merchant
NOUN
NN
case
's
's
PART
POS
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
obj
Number=Plur
transaction
transactions
NOUN
NNS
punct
,
,
PUNCT
,
det
Definite=Def|PronType=Art
the
the
DET
DT
nsubj
Number=Sing
bank
bank
NOUN
NN
root
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
charge
charges
VERB
VBZ
det
Definite=Ind|PronType=Art
a
a
DET
DT
obj
Number=Sing
fee
fee
NOUN
NN
nsubj
PronType=Rel
that
that
PRON
WDT
acl:relcl
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
range
ranges
VERB
VBZ
case
between
between
ADP
IN
nummod
NumForm=Digit|NumType=Card
1.5
1.5
NUM
CD
cc
and
and
CCONJ
CC
conj
NumForm=Digit|NumType=Card
5
5
NUM
CD
obl
Number=Sing
percent
percent
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (NFP  ))
root
PUNCT
NFP
(ROOT (S (NP (NP (DT The) (JJS easiest) (NN way)) (SBAR (S (VP (TO to) (VP (VB establish) (NP (NN credit))))))) (VP (VBZ is) (S (VP (TO to) (VP (VB open) (NP (NML (NN checking) (CC and) (NNS savings)) (NNS accounts)) (PP (IN at) (NP (PRP$ your) (JJ local) (NN bank))))))) (. .)))
The easiest way to establish credit is to open checking and savings accounts at your local bank.
det
Definite=Def|PronType=Art
the
The
DET
DT
amod
Degree=Sup
easy
easiest
ADJ
JJS
nsubj:outer
Number=Sing
way
way
NOUN
NN
mark
to
to
PART
TO
acl
VerbForm=Inf
establish
establish
VERB
VB
obj
Number=Sing
credit
credit
NOUN
NN
cop
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
mark
to
to
PART
TO
root
VerbForm=Inf
open
open
VERB
VB
compound
Number=Sing
check
checking
NOUN
NN
cc
and
and
CCONJ
CC
conj
Number=Plur
savings
savings
NOUN
NNS
obj
Number=Plur
account
accounts
NOUN
NNS
case
at
at
ADP
IN
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
amod
Degree=Pos
local
local
ADJ
JJ
obl
Number=Sing
bank
bank
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (ADVP (RB Then)) (VP (VB apply) (PP (IN for) (NP (DT a) (NML (NN gasoline) (CC or) (NN store)) (NN credit) (NN card)))) (. .)))
Then apply for a gasoline or store credit card.
advmod
PronType=Dem
then
Then
ADV
RB
root
Mood=Imp|VerbForm=Fin
apply
apply
VERB
VB
case
for
for
ADP
IN
det
Definite=Ind|PronType=Art
a
a
DET
DT
compound
Number=Sing
gasoline
gasoline
NOUN
NN
cc
or
or
CCONJ
CC
conj
Number=Sing
store
store
NOUN
NN
compound
Number=Sing
credit
credit
NOUN
NN
obl
Number=Sing
card
card
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (NP (DT These) (NNS cards)) (VP (VBP are) (ADJP (RB fairly) (JJ easy) (SBAR (S (VP (TO to) (VP (VB get)))))) (SBAR (IN because) (S (NP (NNS retailers)) (VP (VBP want) (S (NP (PRP you)) (VP (TO to) (VP (VB buy) (NP (PRP$ their) (NNS goods) (CC and) (NNS services))))))))) (. .)))
These cards are fairly easy to get because retailers want you to buy their goods and services.
det
Number=Plur|PronType=Dem
this
These
DET
DT
nsubj
Number=Plur
card
cards
NOUN
NNS
cop
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
be
are
AUX
VBP
advmod
fairly
fairly
ADV
RB
root
Degree=Pos
easy
easy
ADJ
JJ
mark
to
to
PART
TO
ccomp
VerbForm=Inf
get
get
VERB
VB
mark
because
because
SCONJ
IN
nsubj
Number=Plur
retailer
retailers
NOUN
NNS
advcl
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
want
want
VERB
VBP
obj
Case=Acc|Person=2|PronType=Prs
you
you
PRON
PRP
mark
to
to
PART
TO
xcomp
VerbForm=Inf
buy
buy
VERB
VB
nmod:poss
Case=Gen|Number=Plur|Person=3|Poss=Yes|PronType=Prs
their
their
PRON
PRP$
obj
Number=Plur
goods
goods
NOUN
NNS
cc
and
and
CCONJ
CC
conj
Number=Plur
service
services
NOUN
NNS
punct
.
.
PUNCT
.
(ROOT (S (NP (NP (DT The) (JJ third) (NN step)) (, ,) (CC and) (NP (DT the) (ADJP (RBS most) (JJ dangerous)) (NN one)) (, ,)) (VP (VBZ is) (VP (VBG obtaining) (NP (NP (DT a) (JJ major) (NN credit) (NN card)) (PP (IN like) (NP (NP (NNP Visa)) (, ,) (NP (NNP MasterCard)) (, ,) (CC or) (NP (NNP American) (NNP Express))))))) (. .)))
The third step, and the most dangerous one, is obtaining a major credit card like Visa, MasterCard, or American Express.
det
Definite=Def|PronType=Art
the
The
DET
DT
amod
Degree=Pos|NumType=Ord
third
third
ADJ
JJ
nsubj
Number=Sing
step
step
NOUN
NN
punct
,
,
PUNCT
,
cc
and
and
CCONJ
CC
det
Definite=Def|PronType=Art
the
the
DET
DT
advmod
Degree=Sup
most
most
ADV
RBS
amod
Degree=Pos
dangerous
dangerous
ADJ
JJ
conj
Number=Sing
one
one
NOUN
NN
punct
,
,
PUNCT
,
aux
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
root
Tense=Pres|VerbForm=Part
obtain
obtaining
VERB
VBG
det
Definite=Ind|PronType=Art
a
a
DET
DT
amod
Degree=Pos
major
major
ADJ
JJ
compound
Number=Sing
credit
credit
NOUN
NN
obj
Number=Sing
card
card
NOUN
NN
case
like
like
ADP
IN
nmod
Number=Sing
Visa
Visa
PROPN
NNP
punct
,
,
PUNCT
,
conj
Number=Sing
MasterCard
MasterCard
PROPN
NNP
punct
,
,
PUNCT
,
cc
or
or
CCONJ
CC
amod
Degree=Pos
American
American
ADJ
NNP
conj
Number=Sing
Express
Express
PROPN
NNP
punct
.
.
PUNCT
.
(ROOT (NFP  ))
root
PUNCT
NFP
(ROOT (S (NP (NP (PRP It))) (VP (VBZ is) (ADJP (JJ important)) (S (VP (TO to) (VP (VB choose) (NP (DT a) (NN credit) (NN card)) (ADVP (RB carefully))))) (SBAR (IN because) (S (NP (NNS terms) (CC and) (NNS conditions)) (VP (VBP vary) (ADVP (RB widely)))))) (. .)))
It is important to choose a credit card carefully because terms and conditions vary widely.
expl
Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs
it
It
PRON
PRP
cop
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
root
Degree=Pos
important
important
ADJ
JJ
mark
to
to
PART
TO
csubj
VerbForm=Inf
choose
choose
VERB
VB
det
Definite=Ind|PronType=Art
a
a
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
obj
Number=Sing
card
card
NOUN
NN
advmod
carefully
carefully
ADV
RB
mark
because
because
SCONJ
IN
nsubj
Number=Plur
term
terms
NOUN
NNS
cc
and
and
CCONJ
CC
conj
Number=Plur
condition
conditions
NOUN
NNS
advcl
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
vary
vary
VERB
VBP
advmod
widely
widely
ADV
RB
punct
.
.
PUNCT
.
(ROOT (S (S (NP (JJ Annual) (NNS fees)) (VP (VBP range) (PP (IN from) (NP (NP (QP ($ $) (CD 15) (IN to) ($ $) (CD 75))) (NP (DT a) (NN year)))))) (, ,) (CC but) (S (NP (DT some) (NML (NN credit) (NN card)) (NNS companies)) (VP (VBP charge) (NP (DT no) (JJ annual) (NN fee)) (ADVP (IN at) (DT all)))) (. .)))
Annual fees range from $15 to $75 a year, but some credit card companies charge no annual fee at all.
amod
Degree=Pos
annual
Annual
ADJ
JJ
nsubj
Number=Plur
fee
fees
NOUN
NNS
root
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
range
range
VERB
VBP
case
from
from
ADP
IN
obl
$
$
SYM
$
nummod
NumForm=Digit|NumType=Card
15
15
NUM
CD
case
to
to
ADP
IN
obl
$
$
SYM
$
nummod
NumForm=Digit|NumType=Card
75
75
NUM
CD
det
Definite=Ind|PronType=Art
a
a
DET
DT
nmod:tmod
Number=Sing
year
year
NOUN
NN
punct
,
,
PUNCT
,
cc
but
but
CCONJ
CC
det
some
some
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
nsubj
Number=Plur
company
companies
NOUN
NNS
conj
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
charge
charge
VERB
VBP
det
no
no
DET
DT
amod
Degree=Pos
annual
annual
ADJ
JJ
obj
Number=Sing
fee
fee
NOUN
NN
case
at
at
ADP
IN
obl
all
all
DET
DT
punct
.
.
PUNCT
.
(ROOT (S (SBAR (IN If) (S (NP (PRP you)) (VP (MD will) (VP (VB be) (NP (NP (CD one)) (PP (IN of) (NP (NP (DT the) (VBG growing) (NN number)) (PP (IN of) (NP (NP (NNS people)) (SBAR (WHNP (WP who)) (S (VP (VBP do) (RB n't) (VP (VB pay) (PRT (RP off)) (NP (PRP$ their) (NML (NN credit) (NN card)) (NNS debts)) (PP (IN in) (ADJP (JJ full))) (NP (DT each) (NN month))))))))))))))) (, ,) (VP (VB look) (PP (IN for) (NP (DT the) (NN card))) (PP (IN with) (NP (DT the) (JJS lowest) (NN interest) (NN rate)))) (. .)))
If you will be one of the growing number of people who don't pay off their credit card debts in full each month, look for the card with the lowest interest rate.
mark
if
If
SCONJ
IN
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
aux
VerbForm=Fin
will
will
AUX
MD
cop
VerbForm=Inf
be
be
AUX
VB
advcl
NumForm=Word|NumType=Card
one
one
NUM
CD
case
of
of
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
amod
VerbForm=Ger
grow
growing
VERB
VBG
nmod
Number=Sing
number
number
NOUN
NN
case
of
of
ADP
IN
nmod
Number=Plur
person
people
NOUN
NNS
nsubj
PronType=Rel
who
who
PRON
WP
aux
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
do
do
AUX
VBP
advmod
not
n't
PART
RB
acl:relcl
VerbForm=Inf
pay
pay
VERB
VB
compound:prt
off
off
ADP
RP
nmod:poss
Case=Gen|Number=Plur|Person=3|Poss=Yes|PronType=Prs
their
their
PRON
PRP$
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
obj
Number=Plur
debt
debts
NOUN
NNS
case
in
in
ADP
IN
obl
Degree=Pos
full
full
ADJ
JJ
det
each
each
DET
DT
obl:tmod
Number=Sing
month
month
NOUN
NN
punct
,
,
PUNCT
,
root
Mood=Imp|VerbForm=Fin
look
look
VERB
VB
case
for
for
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
obl
Number=Sing
card
card
NOUN
NN
case
with
with
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
amod
Degree=Sup
low
lowest
ADJ
JJS
compound
Number=Sing
interest
interest
NOUN
NN
obl
Number=Sing
rate
rate
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (NP (NN Interest) (NNS rates)) (ADVP (RB generally)) (VP (VBP range) (PP (IN from) (NP (QP (CD 12) (IN to) (CD 18)) (NN percent))) (, ,) (SBAR (IN though) (S (NP (NP (PRP it))) (VP (VBZ is) (ADJP (JJ possible)) (S (VP (TO to) (VP (VB find) (NP (NNS cards)) (PP (IN with) (NP (JJR lower) (NNS rates)))))))))) (. .)))
Interest rates generally range from 12 to 18 percent, though it is possible to find cards with lower rates.
compound
Number=Sing
interest
Interest
NOUN
NN
nsubj
Number=Plur
rate
rates
NOUN
NNS
advmod
generally
generally
ADV
RB
root
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
range
range
VERB
VBP
case
from
from
ADP
IN
obl
NumForm=Digit|NumType=Card
12
12
NUM
CD
case
to
to
ADP
IN
nummod
NumForm=Digit|NumType=Card
18
18
NUM
CD
obl
Number=Sing
percent
percent
NOUN
NN
punct
,
,
PUNCT
,
mark
though
though
SCONJ
IN
expl
Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs
it
it
PRON
PRP
cop
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
advcl
Degree=Pos
possible
possible
ADJ
JJ
mark
to
to
PART
TO
csubj
VerbForm=Inf
find
find
VERB
VB
obj
Number=Plur
card
cards
NOUN
NNS
case
with
with
ADP
IN
amod
Degree=Cmp
low
lower
ADJ
JJR
obl
Number=Plur
rate
rates
NOUN
NNS
punct
.
.
PUNCT
.
(ROOT (NFP  ))
root
PUNCT
NFP
(ROOT (S (NP (DT A) (NN credit) (NN card)) (VP (MD can) (VP (VB be) (NP (PRP$ your) (NN friend)) (SBAR (IN because) (S (NP (PRP it)) (VP (MD can) (VP (VB get) (NP (PRP you)) (PP (IN through) (NP (JJ unexpected) (NNS emergencies))))))))) (. .)))
A credit card can be your friend because it can get you through unexpected emergencies.
det
Definite=Ind|PronType=Art
a
A
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
nsubj
Number=Sing
card
card
NOUN
NN
aux
VerbForm=Fin
can
can
AUX
MD
cop
VerbForm=Inf
be
be
AUX
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
root
Number=Sing
friend
friend
NOUN
NN
mark
because
because
SCONJ
IN
nsubj
Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs
it
it
PRON
PRP
aux
VerbForm=Fin
can
can
AUX
MD
advcl
VerbForm=Inf
get
get
VERB
VB
obj
Case=Acc|Person=2|PronType=Prs
you
you
PRON
PRP
case
through
through
ADP
IN
amod
Degree=Pos
unexpected
unexpected
ADJ
JJ
obl
Number=Plur
emergency
emergencies
NOUN
NNS
punct
.
.
PUNCT
.
(ROOT (S (CC And) (SBAR (IN if) (S (NP (EX there)) (VP (VBZ is) (NP (NP (DT a) (NN problem)) (PP (IN with) (NP (NP (DT the) (NNS products) (CC or) (NN service)) (SBAR (S (NP (PRP you)) (VP (VBP purchase) (PP (IN with) (NP (PRP$ your) (NN credit) (NN card)))))))))))) (, ,) (NP (PRP you)) (VP (VBP have) (NP (DT an) (NN opportunity) (S (VP (TO to) (VP (VB hold) (PRT (RP back)) (NP (NN payment)) (PP (IN by) (S (VP (VBG asking) (NP (DT the) (NML (NN credit) (NN card)) (NN company)) (S (VP (TO to) (VP (`` ``) (VB charge) (ADVP (RB back)) ('' '') (PP (IN to) (NP (DT the) (NN retailer))) (SBAR (IN until) (S (NP (DT the) (NN argument)) (VP (VBZ is) (VP (VBN settled)))))))))))))))) (. .)))
And if there is a problem with the products or service you purchase with your credit card, you have an opportunity to hold back payment by asking the credit card company to "charge back" to the retailer until the argument is settled.
cc
and
And
CCONJ
CC
mark
if
if
SCONJ
IN
expl
there
there
PRON
EX
advcl
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
VERB
VBZ
det
Definite=Ind|PronType=Art
a
a
DET
DT
nsubj
Number=Sing
problem
problem
NOUN
NN
case
with
with
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
nmod
Number=Plur
product
products
NOUN
NNS
cc
or
or
CCONJ
CC
conj
Number=Sing
service
service
NOUN
NN
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
acl:relcl
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
purchase
purchase
VERB
VBP
case
with
with
ADP
IN
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
compound
Number=Sing
credit
credit
NOUN
NN
obl
Number=Sing
card
card
NOUN
NN
punct
,
,
PUNCT
,
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
root
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
have
have
VERB
VBP
det
Definite=Ind|PronType=Art
a
an
DET
DT
obj
Number=Sing
opportunity
opportunity
NOUN
NN
mark
to
to
PART
TO
acl
VerbForm=Inf
hold
hold
VERB
VB
compound:prt
back
back
ADP
RP
obj
Number=Sing
payment
payment
NOUN
NN
mark
by
by
SCONJ
IN
advcl
VerbForm=Ger
ask
asking
VERB
VBG
det
Definite=Def|PronType=Art
the
the
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
iobj
Number=Sing
company
company
NOUN
NN
mark
to
to
PART
TO
punct
``
``
PUNCT
``
xcomp
VerbForm=Inf
charge
charge
VERB
VB
advmod
back
back
ADV
RB
punct
''
''
PUNCT
''
case
to
to
ADP
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
obl
Number=Sing
retailer
retailer
NOUN
NN
mark
until
until
SCONJ
IN
det
Definite=Def|PronType=Art
the
the
DET
DT
nsubj:pass
Number=Sing
argument
argument
NOUN
NN
aux:pass
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
advcl
Tense=Past|VerbForm=Part|Voice=Pass
settle
settled
VERB
VBN
punct
.
.
PUNCT
.
(ROOT (S (NP (JJ Monthly) (NML (NN credit) (NN card)) (NNS statements)) (VP (MD can) (ADVP (RB also)) (VP (VB help) (S (NP (PRP you)) (VP (VB keep) (NP (PRP$ your) (NNS records)) (S (PP (IN in) (NP (NN order)))))))) (. .)))
Monthly credit card statements can also help you keep your records in order.
amod
Degree=Pos
monthly
Monthly
ADJ
JJ
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
nsubj
Number=Plur
statement
statements
NOUN
NNS
aux
VerbForm=Fin
can
can
AUX
MD
advmod
also
also
ADV
RB
root
VerbForm=Inf
help
help
VERB
VB
obj
Case=Acc|Person=2|PronType=Prs
you
you
PRON
PRP
xcomp
VerbForm=Inf
keep
keep
VERB
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
obj
Number=Plur
record
records
NOUN
NNS
case
in
in
ADP
IN
obl
Number=Sing
order
order
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (ADVP (RB Finally)) (, ,) (SBAR (IN if) (S (NP (PRP you)) (VP (VBP make) (NP (NNS payments)) (PP (IN on) (NP (NN time)))))) (, ,) (NP (DT the) (NN card)) (VP (VBZ helps) (NP (PRP you)) (S (VP (TO to) (VP (VB establish) (NP (DT a) (JJ good) (NN credit) (NN history)))))) (. .)))
Finally, if you make payments on time, the card helps you to establish a good credit history.
advmod
finally
Finally
ADV
RB
punct
,
,
PUNCT
,
mark
if
if
SCONJ
IN
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
advcl
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
make
make
VERB
VBP
obj
Number=Plur
payment
payments
NOUN
NNS
case
on
on
ADP
IN
obl
Number=Sing
time
time
NOUN
NN
punct
,
,
PUNCT
,
det
Definite=Def|PronType=Art
the
the
DET
DT
nsubj
Number=Sing
card
card
NOUN
NN
root
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
help
helps
VERB
VBZ
obj
Case=Acc|Person=2|PronType=Prs
you
you
PRON
PRP
mark
to
to
PART
TO
xcomp
VerbForm=Inf
establish
establish
VERB
VB
det
Definite=Ind|PronType=Art
a
a
DET
DT
amod
Degree=Pos
good
good
ADJ
JJ
compound
Number=Sing
credit
credit
NOUN
NN
obj
Number=Sing
history
history
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (NFP  ))
root
PUNCT
NFP
(ROOT (S (NP (DT A) (NN credit) (NN card)) (VP (MD can) (VP (VB be) (NP (PRP$ your) (NN enemy)) (SBAR (IN because) (S (NP (PRP it)) (VP (VBZ is) (NP (DT an) (NN invitation) (S (VP (TO to) (VP (VB purchase) (NP (NP (NNS items)) (SBAR (S (NP (PRP you)) (ADVP (RB really)) (VP (VBP do) (RB not) (VP (VB need))))))))))))))) (. .)))
A credit card can be your enemy because it is an invitation to purchase items you really do not need.
det
Definite=Ind|PronType=Art
a
A
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
nsubj
Number=Sing
card
card
NOUN
NN
aux
VerbForm=Fin
can
can
AUX
MD
cop
VerbForm=Inf
be
be
AUX
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
root
Number=Sing
enemy
enemy
NOUN
NN
mark
because
because
SCONJ
IN
nsubj
Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs
it
it
PRON
PRP
cop
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
be
is
AUX
VBZ
det
Definite=Ind|PronType=Art
a
an
DET
DT
advcl
Number=Sing
invitation
invitation
NOUN
NN
mark
to
to
PART
TO
acl
VerbForm=Inf
purchase
purchase
VERB
VB
obj
Number=Plur
item
items
NOUN
NNS
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
advmod
really
really
ADV
RB
aux
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
do
do
AUX
VBP
advmod
not
not
PART
RB
acl:relcl
VerbForm=Inf
need
need
VERB
VB
punct
.
.
PUNCT
.
(ROOT (S (NP (NP (NP (DT The) (NML (NN credit) (NN card)) (NNS companies) (POS ')) (JJ continuous) (NNS offers)) (PP (IN of) (NP (NP (JJ minimum) (NNS payments)) (, ,) (NP (NN cash) (NNS advances)) (, ,) (CC and) (NP (NP (RB even) (NNS months)) (PP (IN without) (NP (NNS payments))))))) (VP (MD may) (VP (VB seem) (PP (IN like) (NP (NP (DT a) (NN way)) (SBAR (S (VP (TO to) (VP (VB skate) (PP (IN through) (NP (DT a) (NN money) (NN crisis))))))))))) (. .)))
The credit card companies' continuous offers of minimum payments, cash advances, and even months without payments may seem like a way to skate through a money crisis.
det
Definite=Def|PronType=Art
the
The
DET
DT
compound
Number=Sing
credit
credit
NOUN
NN
compound
Number=Sing
card
card
NOUN
NN
nmod:poss
Number=Plur
company
companies
NOUN
NNS
case
's
'
PART
POS
amod
Degree=Pos
continuous
continuous
ADJ
JJ
nsubj
Number=Plur
offer
offers
NOUN
NNS
case
of
of
ADP
IN
amod
Degree=Pos
minimum
minimum
ADJ
JJ
nmod
Number=Plur
payment
payments
NOUN
NNS
punct
,
,
PUNCT
,
compound
Number=Sing
cash
cash
NOUN
NN
conj
Number=Plur
advance
advances
NOUN
NNS
punct
,
,
PUNCT
,
cc
and
and
CCONJ
CC
advmod
even
even
ADV
RB
conj
Number=Plur
month
months
NOUN
NNS
case
without
without
ADP
IN
nmod
Number=Plur
payment
payments
NOUN
NNS
aux
VerbForm=Fin
may
may
AUX
MD
root
VerbForm=Inf
seem
seem
VERB
VB
case
like
like
ADP
IN
det
Definite=Ind|PronType=Art
a
a
DET
DT
obl
Number=Sing
way
way
NOUN
NN
mark
to
to
PART
TO
acl
VerbForm=Inf
skate
skate
VERB
VB
case
through
through
ADP
IN
det
Definite=Ind|PronType=Art
a
a
DET
DT
compound
Number=Sing
money
money
NOUN
NN
obl
Number=Sing
crisis
crisis
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (PP (IN In) (NP (NN reality))) (, ,) (S (NP (NP (PRP$ your) (NN finance) (NNS charges)) (CC and) (NP (NNS fees))) (ADVP (RB only)) (VP (VBP increase))) (, ,) (CC and) (S (NP (PRP you)) (VP (VBP go) (ADVP (RBR deeper)) (PP (IN into) (NP (NN debt))))) (. .)))
In reality, your finance charges and fees only increase, and you go deeper into debt.
case
in
In
ADP
IN
obl
Number=Sing
reality
reality
NOUN
NN
punct
,
,
PUNCT
,
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
compound
Number=Sing
finance
finance
NOUN
NN
nsubj
Number=Plur
charge
charges
NOUN
NNS
cc
and
and
CCONJ
CC
conj
Number=Plur
fee
fees
NOUN
NNS
advmod
only
only
ADV
RB
root
Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin
increase
increase
VERB
VBP
punct
,
,
PUNCT
,
cc
and
and
CCONJ
CC
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
conj
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
go
go
VERB
VBP
advmod
Degree=Cmp
deep
deeper
ADV
RBR
case
into
into
ADP
IN
obl
Number=Sing
debt
debt
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (NFP  ))
root
PUNCT
NFP
(ROOT (S (SBAR (IN If) (S (NP (PRP you)) (VP (VBP do) (VP (VB find) (S (NP (PRP yourself)) (PP (IN in) (NP (NN trouble)))))))) (, ,) (VP (VB do) (RB not) (VP (VB ignore) (NP (DT the) (NNS bills)))) (. .)))
If you do find yourself in trouble, do not ignore the bills.
mark
if
If
SCONJ
IN
nsubj
Case=Nom|Person=2|PronType=Prs
you
you
PRON
PRP
aux
Mood=Ind|Number=Sing|Person=2|Tense=Pres|VerbForm=Fin
do
do
AUX
VBP
advcl
VerbForm=Inf
find
find
VERB
VB
obj
Case=Acc|Number=Sing|Person=2|PronType=Prs|Reflex=Yes
yourself
yourself
PRON
PRP
case
in
in
ADP
IN
obl
Number=Sing
trouble
trouble
NOUN
NN
punct
,
,
PUNCT
,
aux
Mood=Imp|VerbForm=Fin
do
do
AUX
VB
advmod
not
not
PART
RB
root
Mood=Imp|VerbForm=Fin
ignore
ignore
VERB
VB
det
Definite=Def|PronType=Art
the
the
DET
DT
obj
Number=Plur
bill
bills
NOUN
NNS
punct
.
.
PUNCT
.
(ROOT (S (VP (VB Contact) (NP (PRP$ your) (NNS creditors)) (S (VP (TO to) (VP (VP (VB explain) (NP (PRP$ your) (NN problem))) (CC and) (VP (VB express) (NP (PRP$ your) (NN desire) (S (VP (TO to) (VP (VB pay) (PRT (RP down)) (NP (PRP$ your) (NN card) (NN balance))))))))))) (. .)))
Contact your creditors to explain your problem and express your desire to pay down your card balance.
root
Mood=Imp|VerbForm=Fin
contact
Contact
VERB
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
obj
Number=Plur
creditor
creditors
NOUN
NNS
mark
to
to
PART
TO
advcl
VerbForm=Inf
explain
explain
VERB
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
obj
Number=Sing
problem
problem
NOUN
NN
cc
and
and
CCONJ
CC
conj
VerbForm=Inf
express
express
VERB
VB
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
obj
Number=Sing
desire
desire
NOUN
NN
mark
to
to
PART
TO
acl
VerbForm=Inf
pay
pay
VERB
VB
compound:prt
down
down
ADP
RP
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
compound
Number=Sing
card
card
NOUN
NN
obj
Number=Sing
balance
balance
NOUN
NN
punct
.
.
PUNCT
.
(ROOT (S (SBAR (IN If) (S (NP (DT that)) (VP (VBZ fails)))) (, ,) (NP (NP (DT a) (NN nonprofit) (NN organization)) (PP (IN like) (NP (NML (NNP Consumer) (NNP Credit) (NNP Counseling)) (NNP Service)))) (VP (MD can) (VP (VB assist) (NP (PRP you)) (PP (IN in) (S (VP (VBG getting) (ADVP (RB back) (PP (IN on) (NP (PRP$ your) (JJ financial) (NNS feet))))))))) (. .)))
If that fails, a nonprofit organization like Consumer Credit Counseling Service can assist you in getting back on your financial feet.
mark
if
If
SCONJ
IN
nsubj
Number=Sing|PronType=Dem
that
that
PRON
DT
advcl
Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin
fail
fails
VERB
VBZ
punct
,
,
PUNCT
,
det
Definite=Ind|PronType=Art
a
a
DET
DT
compound
Number=Sing
nonprofit
nonprofit
NOUN
NN
nsubj
Number=Sing
organization
organization
NOUN
NN
case
like
like
ADP
IN
compound
Number=Sing
consumer
Consumer
PROPN
NNP
compound
Number=Sing
credit
Credit
PROPN
NNP
compound
Number=Sing
Counseling
Counseling
PROPN
NNP
nmod
Number=Sing
Service
Service
PROPN
NNP
aux
VerbForm=Fin
can
can
AUX
MD
root
VerbForm=Inf
assist
assist
VERB
VB
obj
Case=Acc|Person=2|PronType=Prs
you
you
PRON
PRP
mark
in
in
SCONJ
IN
advcl
VerbForm=Ger
get
getting
VERB
VBG
advmod
back
back
ADV
RB
case
on
on
ADP
IN
nmod:poss
Case=Gen|Person=2|Poss=Yes|PronType=Prs
your
your
PRON
PRP$
amod
Degree=Pos
financial
financial
ADJ
JJ
obl
Number=Plur
foot
feet
NOUN
NNS
punct
.
.
PUNCT
.
Most Americans receive at least two or three credit card applications in the mail every month. Why have credit cards become so popular? For a merchant, the answer is obvious. By putting charge slips in a bank, the merchant can change credit card sales into cash. In return for processing the merchant's credit card transactions, the bank charges a fee that ranges between 1.5 and 5 percent.  The easiest way to establish credit is to open checking and savings accounts at your local bank. Then apply for a gasoline or store credit card. These cards are fairly easy to get because retailers want you to buy their goods and services. The third step, and the most dangerous one, is obtaining a major credit card like Visa, MasterCard, or American Express.  It is important to choose a credit card carefully because terms and conditions vary widely. Annual fees range from $15 to $75 a year, but some credit card companies charge no annual fee at all. If you will be one of the growing number of people who don't pay off their credit card debts in full each month, look for the card with the lowest interest rate. Interest rates generally range from 12 to 18 percent, though it is possible to find cards with lower rates.  A credit card can be your friend because it can get you through unexpected emergencies. And if there is a problem with the products or service you purchase with your credit card, you have an opportunity to hold back payment by asking the credit card company to "charge back" to the retailer until the argument is settled. Monthly credit card statements can also help you keep your records in order. Finally, if you make payments on time, the card helps you to establish a good credit history.  A credit card can be your enemy because it is an invitation to purchase items you really do not need. The credit card companies' continuous offers of minimum payments, cash advances, and even months without payments may seem like a way to skate through a money crisis. In reality, your finance charges and fees only increase, and you go deeper into debt.  If you do find yourself in trouble, do not ignore the bills. Contact your creditors to explain your problem and express your desire to pay down your card balance. If that fails, a nonprofit organization like Consumer Credit Counseling Service can assist you in getting back on your financial feet.