<prompt> Translate the following text to Swahiliand so she basically didnt use credit cards and didnt know very much about them and how they work and and how you can use them to your advantage and and how you know you  <response>: Kwa hivyo, kwa kweli, hakuwa na kadi za mkopo na hakujua mengi juu yao na jinsi wanavyofanya kazi na jinsi unaweza kuzitumia kwa faida yako. 