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Reserves For Losses (Tables) | 9 Months Ended
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Sep. 30, 2013
Reserves For Losses Tables [Abstract] |
Changes in the Card Member receivable reserve for losses | The following table presents changes in the Card Member receivables reserve for losses for the nine months ended September 30:
(Millions) |  | 2013 |  | 2012
Balance, January 1 |  | $ | 428 |  | $ | 438
Additions: |  |  |  |  |  |
| Provisions(a) |  |  | 472 |  |  | 434
| Other(b) |  |  | 118 |  |  | 97
|  | Total provision |  |  | 590 |  |  | 531
Deductions: |  |  |  |  |  |
| Net write-offs(c) |  |  | (507) |  |  | (487)
| Other(d) |  |  | (115) |  |  | (73)
Balance, September 30 |  | $ | 396 |  | $ | 409
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 $304 million and $292 million for the nine months ended September 30, 2013 and 2012, respectively. Includes net write-offs resulting from unauthorized transactions of $(117) million and $(100) million for the nine months ended September 30, 2013 and 2012, respectively; foreign currency translation adjustments of $(3) million a nd $4 million for the nine months ended September 30, 2013 and 2012, respectively; reclassified Card Member bankruptcy reserves of $18 million for the nine months ended September 30, 2012 only (Card Member bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other items of $5 million for both the nine months ended September 30, 2013 and 2012.
Card Member receivables and related reserves evaluated separately and collectively for impairment | The following table presents Card Member receivables evaluated individually and collectively for impair ment and related reserves as of September 30, 2013 and December 31, 2012:
(Millions) |  | 2013 |  | 2012
Card Member receivables evaluated individually for impairment(a) |  | $ | 55 |  | $ | 117
Related reserves (a) |  | $ | 39 |  | $ | 91
Card Member receivables evaluated collectively for impairment |  | $ | 43,409 |  | $ | 42,649
Related reserves |  | $ | 357 |  | $ | 337
Represents receivables modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables dis cussion in N ote 3 for further information.
Changes in the Card Member loans reserve for losses | The following table presents changes in the Card Member loans reserve for losses for the nine months ended September 30:
(Millions) |  | 2013 |  | 2012
Balance, January 1 |  | $ | 1,471 |  | $ | 1,874
Additions: |  |  |  |  |  |
| Provisions(a) |  |  | 824 |  |  | 669
| Other(b) |  |  | 97 |  |  | 84
|  | Total provision |  |  | 921 |  |  | 753
Deductions: |  |  |  |  |  |
| Net write-offs |  |  |  |  |  |
|  | Principal(c) |  |  | (888) |  |  | (970)
|  | Interest and fees(c) |  |  | (113) |  |  | (121)
| Other(d) |  |  | (110) |  |  | (77)
Balance, September 30 |  | $ | 1,281 |  | $ | 1,459
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 $343 million and $382 million for the nine months ended September 30, 2013 and 2012, respectively. Recoveries of interest and fees were de minimis. I nclude s net write-offs resulting from unauthorized transactions of $(96) million and $(84) million for the nine months ended September 30, 2013 and 2012, respectively; foreign currency translation adjustments of $(8) million and $10 million for the nine months ended September 30, 2013 and 2012, respectively; reclassified Card Member bankruptcy reserves of $4 million for the nine months ended September 30, 2012 only (Card Member bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other item s of $(6) million and $(7) million for the nine months ended September 30, 2013 and 2012, respectivel y.
Card Member loans and related reserves evaluated separately and collectively for impairment | The following table presents Card Member loans evaluated individually and collectively for impairment and related reserves as of September 30, 2013 and December 31, 2012:
(Millions) |  | 2013 |  | 2012
Card Member loans evaluated individually for impairment(a) |  | $ | 401 |  | $ | 633
Related reserves (a) |  | $ | 86 |  | $ | 153
Card Member loans evaluated collectively for impairment(b) |  | $ | 62,569 |  | $ | 64,596
Related reserves (b) |  | $ | 1,195 |  | $ | 1,318
Represents loans modified in a TDR and related reserves. Refer to the Impaired Card Member 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 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=28368275&loc=SL6953423-111524 + Details
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