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Reserves For Losses (Tables) | 6 Months Ended
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Jun. 30, 2016
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 six months ended June 30:
(Millions) |  | 2016 |  | 2015
Balance, January 1 |  | $ | 462 |  | $ | 465
| Provisions(a) |  |  | 322 |  |  | 339
| Net write-offs(b) |  |  | (359) |  |  | (370)
| Other(c) |  |  | (2) |  |  | (14)
Balance, June 30 |  | $ | 423 |  | $ | 420
P rovisions for principal and fee reserve components. Consists of principal and fee components, less recoveries of $202 million and $201 million, including net write-offs from TDRs of $16 million and $42 million, for the six months ended June 30, 2016 and 2015, respectively. Includes foreign currency translation adjustments of $(1) million and $(7) million and other adjustments of $(1) million and $(7) million for the six months ended June 30, 2016 and 2015, 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 June 30, 2016 and December 31, 2015:
(Millions) |  | 2016 |  | 2015
Card Member receivables evaluated individually for impairment(a) |  | $ | 37 |  | $ | 33
Related reserves (a) |  | $ | 19 |  | $ | 20
Card Member receivables evaluated collectively for impairment |  | $ | 45,186 |  | $ | 44,100
Related reserves (b) |  | $ | 404 |  | $ | 442
Represents receivables modified as a TDR and related reserves. 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 six months ended June 30:
(Millions) |  | 2016 |  | 2015
Balance, January 1 |  | $ | 1,028 |  | $ | 1,201
| Provisions(a) |  |  | 512 |  |  | 520
| Net write-offs |  |  |  |  |  |
|  | Principal(b) |  |  | (437) |  |  | (502)
|  | Interest and fees(b) |  |  | (80) |  |  | (85)
| Other(c) |  |  | 68 |  |  | (2)
Balance, June 30 |  | $ | 1,091 |  | $ | 1,132
Provisions for principal, interest and fee reserve components. Consists of principal write-offs, less recoveries of $179 million and $212 million, including net write-offs from TDRs of $17 million and $22 million, for the six months ended June 30, 2016 and 2015, respectively. Recoveries of interest and fees were de minimis. Includes foreign currency translation adjustments of $(2) million and $(8) million and other adjustment s of $3 million and $6 million for t he six months ended June 30, 2016 and 2015, respectively. T he six months ended June 30, 2016 also includes reserves of $7 million in the first quarter and $60 million in the second quarter associated with $20 million and $245 million of retained Card Member loans, respectively, reclassified from HFS to held for investment during those periods as a result of the respective sales of the JetBlue Airways Corporation (JetBlue) and Costco Wholesale Corporation in the United States (Costco) cobrand card portfolios.
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 June 30, 2016 and December 31, 2015:
(Millions) |  | 2016 |  | 2015
Card Member loans evaluated individually for impairment(a) |  | $ | 342 |  | $ | 279
Related reserves (a) |  | $ | 62 |  | $ | 53
Card Member loans evaluated collectively for impairment(b) |  | $ | 59,545 |  | $ | 58,294
Related reserves (b) |  | $ | 1,029 |  | $ | 975
Represents loans modified as a TDR and related reserves. 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 reserves 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 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 Reserves for Losses. + 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=49124121&loc=SL6953423-111524 + Details
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