Breakdown of ليس عندي بطاقة ائتمان، فدفعت نقدا.
يi
my / me (after a preposition)
عند'inda
at / to have
ليسlaysa
to not be
فfa
so, then / for (giving a reason)
دفعdafa'a
to pay
بطاقةbiTâqah
card
ائتمانi'timân
credit
نقداnaqdan
in cash
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