Starting from 'and see the thing is you know he go out and he'll spend it when he wants you know and uh uh i'm afraid to i'm afraid to use that credit card', does it naturally lead to the conclusion 'I'm scared to use the credit card.'
and see the thing is you know he go out and he'll spend it when he wants you know and uh uh i'm afraid to i'm afraid to use that credit card###I'm scared to use the credit card.