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Reserves For Losses (Tables) | 12 Months Ended
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Dec. 31, 2017
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) |  |  | 2017 |  |  | 2016 |  |  | 2015
Balance, January 1 |  | $ | 467 |  | $ | 462 |  | $ | 465
| Provisions(a) |  |  | 795 |  |  | 696 |  |  | 737
| Net write-offs(b) |  |  | (736) |  |  | (674) |  |  | (713)
| Other(c) |  |  | (5) |  |  | (17) |  |  | (27)
Balance, December 31 |  | $ | 521 |  | $ | 467 |  | $ | 462
Provisions for principal and fee reserve components. P rincipal and fee write-offs are presented less recoveries of $359 million, $391 million and $401 million, including net write-offs from TDRs of $(2) million, $16 million and $60 million, for the years ended December 31, 2017, 2016 and 2015, respectively. Includes foreign currency translation adjustments of $12 million, $(12) million and $(16) million, and other adjustments of $(17) million, $(5) million and $(11) million for the years ended December 31, 2017, 2016 and 2015, respectively. Additionally, 2015 include d the impact of the transfer of the HFS receivables portfo lio, which was not significant.
Card Member receivables and related reserves evaluated separately and collectively for impairment | The following table presents Card Member receivables evaluated individually and collectively for impairme nt and related reserves as of December 31:
(Millions) |  | 2017 |  | 2016 |  | 2015
Card Member receivables evaluated individually for impairment(a) |  | $ | 80 |  | $ | 55 |  | $ | 33
Related reserves(a) |  | $ | 3 |  | $ | 28 |  | $ | 20
Card Member receivables evaluated collectively for impairment |  | $ | 53,967 |  | $ | 47,253 |  | $ | 44,100
Related reserves(b) |  | $ | 518 |  | $ | 439 |  | $ | 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 years ended December 31:
(Millions) |  |  | 2017 |  |  | 2016 |  |  | 2015
Balance, January 1 |  | $ | 1,223 |  | $ | 1,028 |  | $ | 1,201
| Provisions(a) |  |  | 1,868 |  |  | 1,235 |  |  | 1,190
| Net write-offs |  |  |  |  |  |  |  |  |
|  | Principal(b) |  |  | (1,181) |  |  | (930) |  |  | (967)
|  | Interest and fees(b) |  |  | (227) |  |  | (175) |  |  | (162)
| Transfer of reserves on HFS loan portfolios |  |  | ― |  |  | ― |  |  | (224)
| Other(c) |  |  | 23 |  |  | 65 |  |  | (10)
Balance, December 31 |  | $ | 1,706 |  | $ | 1,223 |  | $ | 1,028
Provisions for principal, interest and fee reserve components. P rincipal write-offs are presented less recoveries of $409 million, $379 million and $418 million, and include net write-offs from TDRs of $30 million, $34 million and $41 million, for the years ended December 31, 2017, 2016 and 2015, respectively. Recoveries of i nterest and fees were not significant. Includes foreign currency translation adjustments of $8 million, $(10) million and $(20) million, and other adjustments of $15 million, $8 million and $10 million for the years ended December 31, 2017, 2016 and 2015, respectiv ely. The year ended December 31, 2016 include d reserves of $67 million associated with $265 million of retained Card Member loans reclassified from HFS to held for investment as a result of retaining certain loans in connection with the respective sales of JetBlue and 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 Decembe r 31:
(Millions) |  | 2017 |  | 2016 |  | 2015
Card Member loans evaluated individually for impairment (a) |  | $ | 367 |  | $ | 346 |  | $ | 279
Related reserves(a) |  | $ | 57 |  | $ | 60 |  | $ | 53
Card Member loans evaluated collectively for impairment (b) |  | $ | 73,032 |  | $ | 64,919 |  | $ | 58,294
Related reserves(b) |  | $ | 1,649 |  | $ | 1,163 |  | $ | 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 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=84173941&loc=SL6953423-111524 + Details
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