<prompt> Translate the following text to EnglishNajua watu ambao hawana kadi za mkopo kabisa na mimi daima kushangazwa kwa sababu sijui jinsi wanaweza kupata kwa bila yao.  <response>: and thats what i i know people who dont have any credit cards at all and im always amazed because i dont know how they can get by without them it doesnt seem like you can do anything anymore without a credit card 