Reserves For Losses (Tables)

9 Months Ended

Sep. 30, 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 thenine months endedSeptember 30:

(Millions)			2013		2012
Balance, January 1			$	428	$	438
Additions:
	Provisions(a)			472		434
	Other(b)			118		97
		Total provision		590		531
Deductions:
	Net write-offs(c)			(507)		(487)
	Other(d)			(115)		(73)
Balance, September 30			$	396	$	409

• Provisions forprincipal (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 $304 million and $292 million for the nine months endedSeptember 30,2013 and 2012, respectively.
• Includes net write-offs resulting from unauthorized transactions of $(117) million and $(100) million for the nine months endedSeptember 30, 2013 and 2012, respectively; foreign currency translation adjustments of $(3) million and $4million for the nine months endedSeptember 30, 2013 and 2012, respectively;reclassified Card Member bankruptcy reserves of $18million for the nine months endedSeptember 30, 2012 only (Card Member bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other items of $5 million for boththe nine months endedSeptember 30, 2013 and 2012.

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, 2013 and December 31, 2012:

(Millions)	2013		2012
Card Member receivables evaluated individually for impairment(a)	$	55	$	117
Related reserves (a)	$	39	$	91
Card Member receivables evaluated collectively for impairment	$	43,409	$	42,649
Related reserves	$	357	$	337

• Represents receivables modified in a TDR and related reserves.Refer to the Impaired Card MemberLoans and Receivables discussion in Note 3 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 nine months endedSeptember 30:

(Millions)			2013		2012
Balance, January 1			$	1,471	$	1,874
Additions:
	Provisions(a)			824		669
	Other(b)			97		84
		Total provision		921		753
Deductions:
	Net write-offs
		Principal(c)		(888)		(970)
		Interest and fees(c)		(113)		(121)
	Other(d)			(110)		(77)
Balance, September 30			$	1,281	$	1,459

• Provisions for principal (resulting from authorized transactions), interest and fee reservescomponents.
• Provisions for unauthorized transactions.
• Consists of principal write-offs (resulting from authorized transactions), less recoveries of $343million and$382millionfor the nine months endedSeptember 30, 2013 and 2012, respectively. Recoveries of interest and fees were de minimis.
• Includes net write-offsresulting from unauthorized transactions of $(96) million and $(84) million for the nine months ended September 30, 2013 and 2012, respectively; foreign currency translation adjustments of$(8)million and $10 million for the nine months ended September 30, 2013 and 2012, respectively;reclassified Card Member bankruptcy reserves of$4million for the nine months ended September 30, 2012 only (Card Member bankruptcy reserves were classified as other liabilities in periods prior to March 31, 2012); and other items of $(6)million and $(7)million for the nine months ended September 30, 2013 and 2012, 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 September 30, 2013 and December 31, 2012:

(Millions)	2013		2012
Card Member loans evaluated individually for impairment(a)	$	401	$	633
Related reserves (a)	$	86	$	153
Card Member loans evaluated collectively for impairment(b)	$	62,569	$	64,596
Related reserves (b)	$	1,195	$	1,318

• Represents loans modified in a TDR and related reserves. Refer to the Impaired Card MemberLoans and Receivables discussion in Note 3 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.