Convention is a synonym of Formula. Formula is related to Equal. Equal is a synonym of Mean. Mean is related to Bad. 
Credit is a synonym of Loan. Banker can be used for Loan. Banker is related to Money. Money would make you want to Spend. 
Convention <--Synonym--> Formula <--RelatedTo--> Equal <--Synonym--> Mean <--RelatedTo--> Bad 
Credit <--Synonym--> Loan <--UsedFor-- Banker <--RelatedTo--> Money --CausesDesire--> Spend 