Choose the past perfect or the past simple. 5. I opened my handbag to find that I (forget) my credit card.

{ "answer": "5. I opened my handbag to find that I **had forgotten** my credit card.

**Explanation:**
* The action of forgetting the credit card happened *before* the action of opening the handbag. When one past action happens before another, we use the past perfect ('had forgotten') for the earlier action and the past simple ('opened') for the later action." }