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Reserves For Losses (Tables) | 6 Months Ended
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Jun. 30, 2013
Reserves For Losses Tables [Abstract] |
Changes in the cardmember receivable reserve for losses | The following table presents changes in the cardmember receivables reserve for losses for the six months ended June 30:
(Millions) |  | 2013 |  | 2012
Balance, January 1 |  | $ | 428 |  | $ | 438
Additions: |  |  |  |  |  |
| Provisions(a) |  |  | 314 |  |  | 283
| Other(b) |  |  | 82 |  |  | 58
|  | Total provision |  |  | 396 |  |  | 341
Deductions: |  |  |  |  |  |
| Net write-offs(c) |  |  | (358) |  |  | (346)
| Other(d) |  |  | (80) |  |  | (41)
Balance, June 30 |  | $ | 386 |  | $ | 392
P rovisions for principal (resulting from authorized transactions) and fee reserve components. Provisions for unauthorized transactions. Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $200 million and $193 million for the six months ended June 30, 2013 and 2012, respectively. Includes net write-offs resulting from unauthorized transactions of $(80) million and $(63) million for the six months ended June 30, 2013 and 2012, respectively; foreign currency translation adjustments of $(6) million a nd $(2) million for the six months ended June 30, 2013 and 2012, respectively; reclassified cardmember bankruptcy reserves of $18 million for the six months ended June 30, 2012 only (cardmember bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other items of $6 million for both the six months ended June 30, 2013 and 2012.
Cardmember receivables and related reserves evaluated separately and collectively for impairment | The following table presents cardmember receivables evaluated individually and collectively for impair ment and related reserves as of June 30, 2013 and December 31, 2012:
(Millions) |  | 2013 |  | 2012
Cardmember receivables evaluated individually for impairment(a) |  | $ | 69 |  | $ | 117
Related reserves (a) |  | $ | 68 |  | $ | 91
Cardmember receivables evaluated collectively for impairment |  | $ | 44,028 |  | $ | 42,649
Related reserves |  | $ | 318 |  | $ | 337
Represents receivables modified in a TDR and related reserves. Refer to the Impaired Cardmember Loans and Receivables dis cussion in N ote 3 for further information.
Changes in the cardmember loans reserve for losses | The following table presents changes in the cardmember loans reserve for losses for the six months ended June 30:
(Millions) |  | 2013 |  | 2012
Balance, January 1 |  | $ | 1,471 |  | $ | 1,874
Additions: |  |  |  |  |  |
| Provisions(a) |  |  | 577 |  |  | 438
| Other(b) |  |  | 62 |  |  | 51
|  | Total provision |  |  | 639 |  |  | 489
Deductions: |  |  |  |  |  |
| Net write-offs |  |  |  |  |  |
|  | Principal(c) |  |  | (613) |  |  | (678)
|  | Interest and fees(c) |  |  | (77) |  |  | (85)
| Other(d) |  |  | (78) |  |  | (53)
Balance, June 30 |  | $ | 1,342 |  | $ | 1,547
P rovisions for principal (resulting from authorized transacti ons), interest and fee reserve s components. P rovisions for unauthorized transactions. Consists of principal write-offs (resulting from authorized transactions), less recoveries of $230 million and $258 million for the six months ended June 30, 2013 and 2012, respectively. Recoveries of interest and fees were de minimis. I nclude s net write-offs resulting from unauthorized transactions of $(62) million and $(53) million for the six months ended June 30, 2013 and 2012, respectively; foreign currency translation adjustments of $(11) million and $(1) million for the six months ended June 30, 2013 and 2012, respectively; reclassified cardmember bankruptcy reserves of $4 million for the six months ended June 30, 2012 only (cardmember bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other item s of $(5) million and $(3) million for the six months ended June 30, 2013 and 2012, respectivel y.
Cardmember loans and related reserves evaluated separately and collectively for impairment | The following table presents cardmember loans evaluated individually and collectively for impairment and related reserves as of June 30, 2013 and December 31, 2012:
(Millions) |  | 2013 |  | 2012
Cardmember loans evaluated individually for impairment(a) |  | $ | 474 |  | $ | 633
Related reserves (a) |  | $ | 119 |  | $ | 153
Cardmember loans evaluated collectively for impairment(b) |  | $ | 62,600 |  | $ | 64,596
Related reserves (b) |  | $ | 1,223 |  | $ | 1,318
Represents loans modified in a TDR and related reserves. Refer to the Impaired Cardmember Loans and Receivables d iscussion in Note 3 for further information. Represents current loans and loans less than 90 days past due, loans over 90 days past due and accruing interest, and non-accrual loans and related reserves. The reserves include the quantitative results of analytical models that are specific to individual pools of loans and reserves for external environmental qualitative factors that apply to loans in geographic markets that are collectively evaluated for impairment and are not specific to any individual pool of loans.

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- Definition Tabular disclosure of cardmember loans that are evaluated separately and collectively for impairment and the related reserves. + References No definition available. + Details
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- Definition Tabular disclosure of changes in the cardmember loans reserve for losses for the period. + References No definition available. + Details
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- Definition Tabular disclosure of cardmember receivables that are evaluated separately and collectively for impairment and the related reserves. + References No definition available. + Details
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- Definition Tabular disclosure of credit losses for current financing receivables (such as trade and accounts receivable), including a rollforward of the balance. An alternative caption includes allowance for doubtful accounts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 + Details
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