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 | % |