<prompt> Translate the following text to Swahilibut im kind of getting a little more leery of credit cards you know as time goes by unless you just absolutely have to now there are times when youd at least think you do anyway  <response>: Lakini mimi ni aina ya kupata kidogo zaidi ya mashaka ya kadi za mkopo, unajua, wakati kupita, isipokuwa kama wewe tu kabisa kuwa na sasa, kuna wakati ambapo wewe angalau kufikiri kufanya hivyo anyway. 