Details of Certain Consolidated Statements of Income Lines

6 Months Ended

Jun. 30, 2012

Other Income And Other Expense Disclosure [Abstract]

Details of Certain Consolidated Statements of Income Lines

12.Details of Certain Consolidated Statements of Income Line Items

The following is a detail of other commissions and fees:

			Three Months Ended				Six Months Ended
			June 30,				June 30,
(Millions)		2012		2011		2012		2011
Foreign currency conversion revenue		$	216	$	213	$	423	$	426
Delinquency fees			158		142		320		285
Service fees			89		89		182		176
Other			112		140		233		226
	Total other commissions and fees	$	575	$	584	$	1,158	$	1,113

The following is a detail of other revenues:

		Three Months Ended				Six Months Ended
		June 30,				June 30,
(Millions)		2012		2011		2012		2011
Global Network Services partner revenues		$	166	$	156	$	317	$	302
Travelers Cheques related revenues			104		67		160		95
Net gain on investment securities			25		―		51		―
Other			356		314		703		615
	Total other revenues	$	651	$	537	$	1,231	$	1,012

Other revenues include revenues arising from contracts with Global Network Services (GNS) partners including royalties and signing fees, insurance premiums earned from cardmember travel and other insurance programs, publishing revenues and other miscellaneous revenues and fees.

The following is a detail of marketing, promotion, rewards and cardmember services:

		Three Months Ended				Six Months Ended
		June 30,				June 30,
(Millions)		2012		2011		2012		2011
Marketing and promotion		$	773	$	795	$	1,404	$	1,504
Cardmember rewards			1,462		1,613		2,929		3,190
Cardmember services			180		173		401		337
	Total marketing, promotion, rewards and cardmember services	$	2,415	$	2,581	$	4,734	$	5,031

Marketing and promotion expense includes advertising costs, which are expensed in the year in which the advertising first takes place. Cardmember rewards expense includes the costs of rewards programs, including Membership Rewards and co-brand arrangements. Cardmember services expense includes protection plans and complimentary services provided to cardmembers.

The following is a detail of other, net expense:

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(Millions)	2012		2011		2012		2011
Occupancy and equipment	$	446	$	391	$	884	$	785
Communications		95		92		191		187
MasterCard and Visa settlements, net of legal fees		―		(213)		―		(426)
Other		422		305		672		596
Total other, net expense	$	963	$	575	$	1,747	$	1,142

Other, net expense includes general operating expenses, gains (losses) on sale of assets or businesses not classified as discontinued operations, litigation, internal and regulatory review-related refunds and insurance costs or settlements, investment impairments and certain Loyalty Partner expenses.