<prompt> Translate the following text to EnglishHakika mimi nina credit card na credit card yangu ina grace period, na kama nitalipa ndani ya muda wa malipo, sitakuwa na deni la riba.  <response>: yeah um-hum yeah i have a on my credit cards i have a grace period if i pay it off within when the bill comes i i dont have to owe any interest 