text: Credit Trends 
  During 2014, our delinquency and net write-off results continued to improve. Net write-offs in 2014 were $46, compared with $57 in 2013 and 
  $72 in 2012. As delinquencies and net write-offs improved in both 2014 and 2013, we reduced our allowance for credit losses by $5 in both 
  2014 and 2013. 
  
  Credit Quality 
  The quality of our credit card receivables at any time reflects, among other factors, general economic conditions, the creditworthiness of our 
  cardholders and the success of our account management and collection activities. In general, credit quality tends to decline, and the risk of 
  credit losses tends to increase, during periods of deteriorating economic conditions. Through our underwriting and risk management 
  standards and practices, we seek to maintain a high-quality cardholder portfolio, thereby mitigating our exposure to credit losses. As of 
  January 31, 2015, 79.0% of our credit card receivables were from cardholders with FICO scores of 660 or above (generally considered 
  “prime” according to industry standards) compared with 78.1% as of February 1, 2014. See Note 3: Accounts Receivable in Item 8: Financial 
  Statements and Supplementary Data for additional information. 