<prompt> Translate the following text to EnglishKuna wakati ambapo mimi kuwa mbaya kuhusu kadi za mkopo na hivyo pretty much sasa uh sisi si kutumia yao sana kama sisi kusafiri au kitu.  <response>: there have been times that i have been bad about the credit cards and so pretty much now uh we dont use them too much if we travel or something yeah but you know 