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Reserves For Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
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) |  | 2014 |  | 2013
Balance, January 1 |  | $ | 386 |  | $ | 428
| Provisions(a) |  |  | 594 |  |  | 474
| Net write-offs(b) |  |  | (527) |  |  | (507)
| Other(c) |  |  | (21) |  |  | 1
Balance, September 30 |  | $ | 432 |  | $ | 396
P rovisions for principal (resulting from authorized transactions) and fee reserve components. Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $269 million and $304 million, including net write-offs from TDRs of $14 million and $16 million, for the nine months ended September 30, 2014 and 2013, respectively. Beginning in first quarter 2014, reserves for card related fraud losses of $(7) million are reflected in other liabilities. All periods include foreign currency translation adjustments of $(6) million and $(3) million for the nine months ended September 30, 2014 and 2013, respectively, and other items of $(8) million and $4 million for the nine months ended September 30, 2014 and 2013, respectively.
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, 2014 and December 31, 2013:
(Millions) |  | 2014 |  | 2013
Card Member receivables evaluated individually for impairment(a) |  | $ | 44 |  | $ | 50
Related reserves (a) |  | $ | 32 |  | $ | 38
Card Member receivables evaluated collectively for impairment |  | $ | 45,073 |  | $ | 44,113
Related reserves (b) |  | $ | 400 |  | $ | 348
Represents receivables modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables dis cussion in N ote 4 on pages 74 – 76 of the Annual Report for further information. The reserves include the quantitative results of analytical models that are specific to individual pools of receivables and reserves for internal and external qualitative risk factors that apply to receivables that are collectively evaluated for impairment.
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) |  | 2014 |  | 2013
Balance, January 1 |  | $ | 1,261 |  | $ | 1,471
| Provisions(a) |  |  | 797 |  |  | 825
| Net write-offs |  |  |  |  |  |
|  | Principal(b) |  |  | (786) |  |  | (888)
|  | Interest and fees(b) |  |  | (124) |  |  | (113)
| Other(c) |  |  | (2) |  |  | (14)
Balance, September 30 |  | $ | 1,146 |  | $ | 1,281
P rovisions for principal (resulting from authorized transacti ons), interest and fee reserve s components. Consists of principal write-offs (resulting from authorized transactions), less recoveries of $324 million and $343 million, including net write-offs from TDRs of $(5) million and $6 million, for the nine months ended September 30, 2014 and 2013, respectively. Recoveries of interest and fees were de minimis. Beginning in first quarter 2014, reserves for card related fraud losses of $(6) million are reflected in other liabilities. All periods include foreign currency translation adjustments of $(7) million and $(8) million for t he nine months ended September 30, 2014 and 2013, respectively, and other item s of $11 million and $(6) million for the nine months ended September 30, 2014 and 2013, 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, 2014 and December 31, 2013:
(Millions) |  | 2014 |  | 2013
Card Member loans evaluated individually for impairment(a) |  | $ | 309 |  | $ | 378
Related reserves (a) |  | $ | 70 |  | $ | 84
Card Member loans evaluated collectively for impairment(b) |  | $ | 65,748 |  | $ | 66,860
Related reserves (b) |  | $ | 1,076 |  | $ | 1,177
Represents loans modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables d iscussion in Note 4 on pages 74 – 76 of the Annual Report 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. The reserves include the quantitative results of analytical models that are specific to individual pools of loans and r eserves for internal and external qualitative risk factors that apply to loans that are collectively evaluated for impairment.

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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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