<prompt> Translate the following text to EnglishKwa sababu hii, ni muhimu kujua kwamba baada ya mwaka huu au baada ya mwaka wa kodi wa 1990, hakuna mapato ya kadi ya mkopo ambayo unaweza kulipa.  <response>: especially since you know its no longer after this year or after tax year nineteen ninety theres theres no deductions for you know credit card interest that you pay so its a 