<prompt> Translate the following text to EnglishKwa hivyo, kwa kweli, hakuna shida yoyote na kadi za mkopo, kwani zina huduma nzuri sana, na zinapatikana wakati wowote unapoihitaji.  <response>: so but i havent really had any bad problems with credit cards theres you know they have uh wonderful features theyre there when you need them you know like in emergencies or whatever 