中文：

信用卡年费通常是在信用卡发卡后的第二天开始收取的。一般来说，信用卡年费是根据持卡人的用卡情况、信用卡等级、发卡银行规定等因素来确定的。不同的银行和信用卡公司可能有不同的年费标准和政策。

一般来说，信用卡年费分为刷卡消费年费和取现年费两种。刷卡消费年费是指持卡人在使用信用卡进行消费时，根据消费金额和次数收取的费用；取现年费则是指持卡人在使用信用卡进行取现时收取的费用。

在收取信用卡年费时，银行通常会通过账单、短信等方式通知持卡人。如果持卡人未能在规定时间内缴纳年费，银行可能会收取罚息或采取其他措施。因此，持卡人应该及时关注自己的信用卡账单和短信通知，确保按时缴纳年费。

英文：

The annual fee for credit cards is usually charged on the second day after the card is issued. Generally, the annual fee for credit cards is determined based on factors such as the cardholder's usage situation, the credit card level, and the issuing bank's regulations. Different banks and credit card companies may have different annual fee standards and policies.

Typically, the annual fee for credit cards is divided into two types: the annual fee for shopping and the annual fee for cashing. The shopping annual fee refers to the fee charged to the cardholder when using the credit card for shopping based on the amount and frequency of the transaction; the cashing annual fee refers to the fee charged to the cardholder when using the credit card for cash withdrawal.

When collecting the annual fee for credit cards, banks usually notify cardholders through账单、 SMS, etc. If the cardholder fails to pay the annual fee within the prescribed time limit, the bank may charge penalties or take other measures. Therefore, cardholders should pay attention to their credit card bills and SMS notifications in a timely manner to ensure that the annual fee is paid on time.