<prompt> Translate the following text to EnglishKama nilivyosema, Nilikuwa na muda mrefu wa kulipa malipo yangu, na wakati huo nilijiahidi kwamba sitalipa riba tena kwenye kadi ya mkopo, kwa hivyo hiyo ilikuwa motto yangu.  <response>: the balance by the time they got their interest out of it and it took forever to pay it off and at that point i promised myself i would never pay interest on a credit card again so thats kind of been my motto 