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Reserves For Losses (Tables) | 12 Months Ended
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Dec. 31, 2016
Table Text Block [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 years ended December 31:
(Millions) |  |  | 2016 |  |  | 2015 |  |  | 2014
Balance, January 1 |  | $ | 462 |  | $ | 465 |  | $ | 386
| Provisions(a) |  |  | 696 |  |  | 737 |  |  | 792
| Net write-offs(b) |  |  | (674) |  |  | (713) |  |  | (683)
| Other(c) |  |  | (17) |  |  | (27) |  |  | (30)
Balance, December 31 |  | $ | 467 |  | $ | 462 |  | $ | 465
Provisions for principal and fee reserve components. Consists of principal and fee components, less recoveries of $391 million, $401 million and $358 million, including net write-offs from TDRs of $16 million, $60 million and $15 million, for the years ended December 31, 2016, 2015 and 2014, respectively. Includes foreign currency translation adjustments of $(12) million, $(16) million and $(15) million for the years ended December 31, 2016, 2015 and 2014, respectively; and other adjustments of $(5) million, $(11) million and $(8) million for the years ended December 31, 2016, 2015 and 2014, respectively. Additionally, 2015 includes the impact of the transfer of the HFS receivables portfolio, which was not significant, and 2014 includes an adjustment related to reserves for card-related fraud losses of $(7) million, whic h was reclassified to Other liabilities.
Card Member receivables and related reserves evaluated separately and collectively for impairment | The following table presents Card Member receivables evaluated individually and collectively for impairment and related reserves as o f December 31:
(Millions) |  | 2016 |  | 2015 |  | 2014
Card Member receivables evaluated individually for impairment(a) |  | $ | 55 |  | $ | 33 |  | $ | 48
Related reserves(a) |  | $ | 28 |  | $ | 20 |  | $ | 35
Card Member receivables evaluated collectively for impairment |  | $ | 47,253 |  | $ | 44,100 |  | $ | 44,803
Related reserves(b) |  | $ | 439 |  | $ | 442 |  | $ | 430
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 years ended December 31:
(Millions) |  |  | 2016 |  |  | 2015 |  |  | 2014
Balance, January 1 |  | $ | 1,028 |  | $ | 1,201 |  | $ | 1,261
| Provisions(a) |  |  | 1,235 |  |  | 1,190 |  |  | 1,138
| Net write-offs |  |  |  |  |  |  |  |  |
|  | Principal(b) |  |  | (930) |  |  | (967) |  |  | (1,023)
|  | Interest and fees(b) |  |  | (175) |  |  | (162) |  |  | (164)
| Transfer of reserves on HFS loan portfolios |  |  | ― |  |  | (224) |  |  | ―
| Other(c) |  |  | 65 |  |  | (10) |  |  | (11)
Balance, December 31 |  | $ | 1,223 |  | $ | 1,028 |  | $ | 1,201
Provisions for principal, interest and fee reserve components. Consists of principal write-offs, less recoveries of $379 million, $418 million and $428 million, including net write-offs/(recoveries) from TDRs of $34 million, $41 million and $(10) million, for the years ended December 31, 2016, 2015 and 2014, respectively. Recoveries of interest and fees were de minimis. Includes foreign currency translation adjustment s of $(10) million, $(20) million and $(17) million for the years ended December 31, 2016, 2015 and 2014, respectively, and other adjustments of $8 million, $10 million and $12 million for the years ended December 31, 2016, 2015 and 2014, respectively. Additionally, 2016 includes reserves of $67 million associated with $265 million of retained Card Member loans reclassified from HFS to held for investm ent during the first half of the year, and 2014 includes an adjustment related to reserves for card-related fraud losses of $(6) million, which were reclassified to Other liabilities.
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 December 31:
(Millions) |  | 2016 |  | 2015 |  | 2014
Card Member loans evaluated individually for impairment (a) |  | $ | 346 |  | $ | 279 |  | $ | 286
Related reserves(a) |  | $ | 60 |  | $ | 53 |  | $ | 67
Card Member loans evaluated collectively for impairment (b) |  | $ | 64,919 |  | $ | 58,294 |  | $ | 70,099
Related reserves(b) |  | $ | 1,163 |  | $ | 975 |  | $ | 1,134
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 Card Member 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 Card Member loans reserve for losses for the period. + 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=66008989&loc=SL6953423-111524 + Details
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