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, $383 million and $349 million, including net write-offs from TDRs of $12 million, $87 million and $82 million, for the years ended 2013, 2012 and 2011, respectively.
- Includes net write-offs resulting from unauthorized transactions of $(160) million, $(141) million and $(161) million for the 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 of Card Member bankruptcy reserves of $18 million from other liabilities to credit reserves in 2012 and other items of $2 million, $9 million and $5 million for the years ended December 31, 2013, 2012 and 2011, respectively.
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