text: Credit card revenues include finance charges, interchange fees, late fees and other revenue. Finance charges represent interest earned on 
  unpaid balances while interchange fees are earned from the use of Nordstrom Visa credit cards at merchants outside of Nordstrom. Late 
  fees are assessed when a credit card account becomes past due. We consider an account delinquent if the minimum payment is not 
  received by the payment due date. Credit card revenues are recorded net of estimated uncollectible finance charges and fees. 
  
  Credit Card Revenues (2014 vs. 2013) 
  Credit card revenues increased $22 in 2014 compared with 2013 primarily due to an increase in the average accounts receivable balance, 
  slightly decreased payment rates and a 6.5% increase in total volume during 2014. 
  
  Credit Card Revenues (2013 vs. 2012) 
  Credit card revenues were flat in 2013 compared with 2012. This was due to growth in total volume that was offset by continued 
  improvement in cardholder payment rates. 