<prompt> Translate the following text to Swahiliand we got rid of those we now have Discover we have a Visa that does not have a yearly fee and then we have a card that our bank put out on a promotion this year that uh of the first year there is no yearly fee and of course we dont plan on keeping it the second year  <response>: Kama tunavyojua, Visa ina malipo ya kila mwaka na inaendelea kuwa na malipo ya kila mwaka, lakini kwa sababu ya mapato ya kila mwaka, hakuna malipo ya kila mwaka. 