<prompt> Translate the following text to EnglishKama 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.  <response>: and 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 