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Reserves for Losses (Tables) | 9 Months Ended
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Sep. 30, 2019
Receivables [Abstract] |
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) |  | 2019 |  | 2018
Balance, January 1 |  | $ | 2,134 |  |  | $ | 1,706 |
Provisions (a) |  | 1,732 |  |  | 1,587 |
Net write-offs (b) |  |  |  |
Principal |  | (1,367) |  |  | (1,140) |
Interest and fees |  | (277) |  |  | (225) |
Other (c) |  | 10 |  |  | 9 |
Balance, September 30 |  | $ | 2,232 |  |  | $ | 1,937 |
(a)Provisions for principal, interest and fee reserve components. (b)Principal write-offs are presented less recoveries of $389 million and $330 million for the nine months ended September 30, 2019 and 2018, respectively. Recoveries of interest and fees were not significant. Amounts include net (write-offs) recoveries from TDRs of $(53) million and $(21) million for the nine months ended September 30, 2019 and 2018, respectively. (c)Includes foreign currency translation adjustments of $(3) million and $(4) million for the nine months ended September 30, 2019 and 2018, respectively, and other adjustments of $13 million for both the nine months ended September 30, 2019 and 2018.
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, 2019 and December 31, 2018:
(Millions) |  | 2019 |  | 2018
Card Member loans evaluated individually for impairment (a) |  | $ | 726 |  |  | $ | 532 |
Related reserves (a) |  | $ | 138 |  |  | $ | 94 |
Card Member loans evaluated collectively for impairment (b) |  | $ | 82,929 |  |  | $ | 81,322 |
Related reserves (b) |  | $ | 2,094 |  |  | $ | 2,040 |
(a)Represents loans modified as a TDR and related reserves. (b)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.
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) |  | 2019 |  | 2018
Balance, January 1 |  | $ | 573 |  |  | $ | 521 |
Provisions (a) |  | 715 |  |  | 701 |
Net write-offs (b) |  | (657) |  |  | (661) |
Other (c) |  | (16) |  |  | (17) |
Balance, September 30 |  | $ | 615 |  |  | $ | 544 |
(a)Provisions for principal and fee reserve components. (b)Net write-offs are presented less recoveries of $278 million and $273 million for the nine months ended September 30, 2019 and 2018, respectively. Amounts include net (write-offs) recoveries from TDRs of $(11) million and $1 million, for the nine months ended September 30, 2019 and 2018, respectively. (c)Includes foreign currency translation adjustments of $(3) million and nil and other adjustments of $(13) million and $(17) million for the nine months ended September 30, 2019 and 2018, 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 impairment and related reserves as of September 30, 2019 and December 31, 2018:
(Millions) |  | 2019 |  | 2018
Card Member receivables evaluated individually for impairment (a) |  | $ | 185 |  |  | $ | 128 |
Related reserves (a) |  | $ | 8 |  |  | $ | 7 |
Card Member receivables evaluated collectively for impairment |  | $ | 56,440 |  |  | $ | 55,765 |
Related reserves (b) |  | $ | 607 |  |  | $ | 566 |
(a)Represents receivables modified as a TDR and related reserves. (b)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.

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- Definition Cardmember Loans And Related Reserves Evaluated Separately And Collectively For Impairment [Table Text Block] + References No definition available. + Details
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- Definition Cardmember Receivables And Related Reserves Evaluated Separately And Collectively For Impairment [Table Text Block] + References No definition available. + Details
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- Definition Tabular disclosure of allowance for credit loss of financing receivable, classified as current. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
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