Policy

The following tables present the key credit quality indicators as of or for the years ended December 31:

	2013						2012
	Net Write-Off Rate						Net Write-Off Rate
					30 Days						30 Days
			Principal,		Past Due				Principal,		Past Due
	Principal		Interest, &		as a % of		Principal		Interest, &		as a % of
	Only	^(a)	Fees	^(a)	Total		Only	^(a)	Fees	^(a)	Total
Card Member Loans:
U.S. Card Services	1.8	%	2.0	%	1.1	%	2.1	%	2.3	%	1.2	%
International Card Services	1.9	%	2.3	%	1.4	%	1.9	%	2.4	%	1.5	%
Card Member Receivables:
U.S. Card Services	1.7	%	1.9	%	1.6	%	1.9	%	2.1	%	1.8	%

					2013				2012
					Net Loss				Net Loss
					Ratio as		90 Days		Ratio as		90 Days
					a % of		Past Billing		a % of		Past Billing
					Charge		as a % of		Charge		as a % of
					Volume		Receivables		Volume		Receivables
Card Member Receivables:
International Card Services					0.20	%	1.1	%	0.16	%	0.9	%
Global Commercial Services					0.08	%	0.9	%	0.06	%	0.8	%

AMERICAN EXPRESS CO | 2013 | FY |