Elle est rentrée parce qu'elle avait oublié sa carte bancaire.

Questions & Answers about Elle est rentrée parce qu'elle avait oublié sa carte bancaire.

Why use avait oublié instead of a oublié here?
Avait oublié is the Plus-que-parfait (past perfect). You use it when you are already talking about the past (elle est rentrée) and need to mention an action that happened even earlier. She had already forgotten her card before she went home.
How do we build the Plus-que-parfait in this sentence?
It is formed like the passé composé, but the helper verb is put into the imparfait (imperfect) tense. Here, the helper verb is avoir, so we use its imparfait form (avait) and add the past participle of the main verb (oublié).
Why does rentrée use est as its helper verb, while oublié uses avait?
Most French verbs use avoir for compound tenses, which is why we see avait oublié. However, rentrer (to go home) is one of the special verbs of movement (sometimes called 'Vandertramp' verbs) that use être instead.
Why is there an extra e at the end of rentrée?
Because rentrer uses être as its helper verb, its past participle must agree with the subject. Since the subject is elle (feminine, singular), we add an -e to make it rentrée.
Why does the sentence use rentrée instead of translating 'went home' literally?
The verb rentrer naturally means 'to return' or 'to go home'. French speakers use this single verb rather than saying elle est allée à la maison (she went to the house), which sounds clunky to a native speaker.

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