Many of my fans themselves only have a red and black wire. When connected to a 12 volt DC adapter (charger etc.) they will spin fast.
However, when connected to the
red/black side of a
computer PSU, they will only spin at half speed, since the red wire on the PSU connector is +5 volts. But, if you connect them to the
yellow/black side of the PSU, you will get your full 12 volts.
This is only an issue if you are using a computer PSU.
EDIT: Like this:-