中文段落：

交通银行信用卡的年费扣取规则对于信用卡用户来说是一个重要而需要了解的事项。年费是银行为持卡人提供信用卡服务所收取的一种费用，而扣取的方式和时间则因卡种和级别的不同而有所差异。

一般来说，交通银行信用卡的年费扣取时间是在每年的卡片激活日，也就是说，如果你在某年的某一天激活了信用卡，那么下一年的这一天就是你的年费扣取日。在这一天，银行会自动从信用卡的账户余额中扣除相应的年费金额。

对于具体的扣取金额，它主要取决于信用卡的种类和级别。普通级别的信用卡年费相对较低，而高级别的信用卡，如白金卡、钻石卡等，则年费较高。此外，一些特殊类型的信用卡，如联名卡、主题卡等，也可能会有不同的年费标准。

需要注意的是，交通银行信用卡的年费是可以免除的。一般来说，只要持卡人在一年内达到一定的消费金额或者满足其他特定的条件，就可以免除当年的年费。因此，作为持卡人，了解并合理利用这些免年费政策，可以有效地减轻自己的负担。

**英文段落：

The annual fee deduction rules for Bank of Communications' credit cards are an important matter for cardholders to understand. The annual fee is a charge levied by the bank for providing credit card services to cardholders, and the method and timing of deduction vary depending on the type and level of the card.

Generally speaking, the annual fee deduction date for Bank of Communications' credit cards falls on the anniversary of the card's activation date. That is, if you activated your credit card on a certain day of the year, that same day of the next year will be the date when the annual fee is deducted. On this day, the bank will automatically deduct the corresponding annual fee amount from the account balance of the credit card.

The specific amount deducted depends primarily on the type and level of the credit card. Ordinary-level credit cards have relatively low annual fees, while higher-level cards such as platinum and diamond cards have higher annual fees. Additionally, some special types of credit cards, such as co-branded cards and themed cards, may also have different annual fee standards.

It is worth noting that the annual fee for Bank of Communications' credit cards can be waived. Generally, as long as the cardholder meets a certain spending amount or fulfills other specific conditions within a year, the annual fee for that year can be waived. Therefore, as a cardholder, it is important to understand and合理利用 these annual fee waiver policies to effectively reduce your burden.