<prompt> Translate the following text to EnglishSasa, kwa sababu ya kuwa na pesa nyingi, unaweza kuwa na masharti ya kuweka malipo ya kila mwezi chini, kwa sababu wanahitaji kuimarisha.  <response>: wait a minute dont pay us too much you know and they drop it your balance uh they drop your monthly payment down low because they want that interest to build up 