Reserves For Losses (Tables)

12 Months Ended

Dec. 31, 2013

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 years ended December 31:

(Millions)				2013		2012		2011
Balance, January 1			$	428	$	438	$	386
Additions:
	Provisions(a)			647		601		603
	Other(b)			142		141		167
		Total provision		789		742		770
Deductions:
	Net write-offs(c)			(669)		(640)		(560)
	Other(d)			(162)		(112)		(158)
Balance, December 31			$	386	$	428	$	438

• Provisions for principal (resulting from authorized transactions) and fee reserve components.
• Provisions for unauthorized transactions.
• Consists of principal (resulting from authorized transactions) and fee components, less recoveries of $402 million,$383million and $349million, including net write-offs from TDRs of $12 million, $87 million and $82 million,for the years ended 2013,2012and 2011, respectively.
• Includes net write-offs resulting from unauthorized transactions of$(160) million, $(141) million and $(161) million forthe years ended December 31, 2013, 2012 and 2011,respectively; foreign currency translation adjustments of $(4) million, $2 million and $(2) million for the years ended December 31, 2013, 2012 and 2011, respectively;a reclassification ofCard Member bankruptcy reserves of $18 millionfrom other liabilities to credit reserves in 2012and other items of $2 million, $9 million and $5 million for the years ended December 31, 2013, 2012 and 2011, 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 December 31:

(Millions)		2013		2012		2011
Card Member receivables evaluated
	individually for impairment(a)	$	50	$	117	$	174
Related reserves(a)		$	38	$	91	$	118
Card Member receivables evaluated
	collectively for impairment	$	44,113	$	42,649	$	40,716
Related reserves		$	348	$	337	$	320

• Represents receivables modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables discussion in Note 4 for further information.

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)				2013		2012		2011
Balance, January 1			$	1,471	$	1,874	$	3,646
Additions:
	Provisions(a)			1,114		1,031		145
	Other(b)			115		118		108
		Total provision		1,229		1,149		253
Deductions:
	Net write-offs
		Principal(c)		(1,141)		(1,280)		(1,720)
		Interest and fees(c)		(150)		(157)		(201)
	Other(d)			(148)		(115)		(104)
Balance, December 31			$	1,261	$	1,471	$	1,874

• Provisions for principal (resulting from authorized transactions), interest and fee reserves components.
• Provisions for unauthorized transactions.
• Consists of principal write-offs (resulting from authorized transactions),less recoveries of $452million,$493million and $578million, including net write-offs from TDRs of $(1) million, $25 million and $29 million,for the years ended December 31, 2013, 2012 and 2011, respectively. Recoveries of interest and fees were de minimis.
• Includes net write-offs resulting fromunauthorized transactions of $(130) million, $(116) million and $(103) millionfor the years ended December 31, 2013, 2012 and 2011, respectively; foreign currency translation adjustments of $(12) million, $7 million and $(2) millionfor the years ended December 31, 2013, 2012 and 2011, respectively; a reclassification of Card Member bankruptcy reserves of$4million from other liabilities to credit reserves in 2012 and other items of $(6) million, $(10) million and $1 million,for the years ended December 31, 2013, 2012 and 2011, respectively.

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)		2013		2012		2011
Card Member loans evaluated
	individually for impairment(a)	$	378	$	633	$	744
Related reserves(a)		$	84	$	153	$	176
Card Member loans evaluated
collectively for impairment(b)		$	66,860	$	64,596	$	61,877
Related reserves(b)		$	1,177	$	1,318	$	1,698

• Represents loans modified in a TDR and related reserves. Refer to the Impaired Card Member Loans and Receivables discussion in Note 4 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 and related reserves. The reserves include the quantitative results of analytical models that are specific to individual pools of loans and reserves for external environmental qualitative factors that apply to loans in geographic markets that are collectively evaluated for impairment and are not specific to any individual pool of loans.