<prompt> Translate the following text to Swahiliprobably uh the lifestyles and the size of the area we live in and an age can make a very difference in how credit cards are used um at this point in life i do not carry a credit card that i have to pay a service charge on  <response>: Kwa sababu ya aina ya maisha na ukubwa wa eneo tunaloishi, umri unaweza kufanya tofauti kubwa katika jinsi kadi za mkopo zinatumiwa. 