<prompt> Translate the following text to Swahilithe 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  <response>: Kama 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. 