<prompt> Translate the following text to EnglishHii ni kwa sababu sisi ni wenyeji wa kadi ya mkopo, lakini kwa sababu sisi ni wauzaji wa kadi ya mkopo, kwa hivyo, ikiwa tunahitaji pesa, tunahitaji kutumia kadi ya mkopo.  <response>: yeah so what were saying is that we use a credit card when it uh is convenient but if its going to cost us money we dont though 