<prompt> Translate the following text to EnglishKwa kweli, ikiwa hundi yako haijakubaliwa, wanaweza kuichukua kutoka kwa kadi yako ya mkopo, lakini kwa nini?  <response>: well actually if your check bounces i guess they could legally take it off your credit card if thats why theyre taking it i mean i dont know how fair that is 