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Reserves for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Schedule of Key Variables in Macroeconomic Scenarios Utilized for Computation of Reserves for Credit Losses | The following table reflects the range of macroeconomic scenario key variables used, in conjunction with other inputs, to calculate reserves for credit losses:
|  | U.S. Unemployment Rate |  | U.S. GDP Growth (Contraction) (a)
|  | December 31, 2022 |  |  | December 31, 2021 |  | December 31, 2022 |  |  |  | December 31, 2021
Fourth quarter of 2022 |  | 4% |  |  |  | 4% - 9% |  | (0.1)% |  |  |  | 2% -1%
First quarter of 2023 |  | 3% - 6% |  |  |  | 3% - 9% |  | 5% - (1)% |  |  |  | 3% - 1%
Fourth quarter of 2023 |  | 3% - 8% |  |  |  | 3% - 7% |  | 6% - 0.2% |  |  |  | 4% - 3%
Fourth quarter of 2024 |  | 3% - 7% |  |  |  | 4% - 6% |  | 3% - 2% |  |  |  | 3%
(a)Real GDP quarter over quarter percentage change seasonally adjusted to annualized rates.
Schedule of Changes in Card Member Loans and Receivables | The following table presents changes in the Card Member loans reserve for credit losses for the years ended December 31:
(Millions) |  | 2022 |  | 2021 |  | 2020
Beginning Balance |  | $ | 3,305 |  |  | $ | 5,344 |  |  | $ | 4,027 |
Provisions(a) |  | 1,514 |  |  | (1,155) |  |  | 3,453 |
Net write-offs (b) |  |  |  |  |  |
Principal |  | (837) |  |  | (672) |  |  | (1,795) |
Interest and fees |  | (229) |  |  | (207) |  |  | (375) |
Other(c) |  | (6) |  |  | (5) |  |  | 34 |
Ending Balance |  | $ | 3,747 |  |  | $ | 3,305 |  |  | $ | 5,344 |
(a)Provisions for principal, interest and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs. (b)Principal write-offs are presented less recoveries of $539 million, $657 million and $568 million for the years ended December 31, 2022, 2021 and 2020, respectively. Recoveries of interest and fees were not significant. Amounts include net (write-offs) recoveries from TDRs of $(209) million, $(171) million and $(134) million for the years ended December 31, 2022, 2021 and 2020, respectively. (c)Primarily includes foreign currency translation adjustments of $(6) million for both the years ended December 31, 2022 and 2021, and $35 million for the year ended December 31, 2020. The following table presents changes in the Card Member receivables reserve for credit losses for the years ended December 31:
(Millions) |  | 2022 |  | 2021 |  | 2020
Beginning Balance |  | $ | 64 |  |  | $ | 267 |  |  | $ | 126 |
Provisions (a) |  | 627 |  |  | (73) |  |  | 1,015 |
Net write-offs (b) |  | (462) |  |  | (129) |  |  | (881) |
Other (c) |  | — |  |  | (1) |  |  | 7 |
Ending Balance |  | $ | 229 |  |  | $ | 64 |  |  | $ | 267 |
(a)Provisions for principal and fee reserve components. Provisions for credit losses includes reserve build (release) and replenishment for net write-offs. (b)Net write-offs are presented less recoveries of $257 million, $378 million and $386 million for the years ended December 31, 2022, 2021 and 2020, respectively. Amounts include net recoveries (write-offs) from TDRs of $(73) million, $(64) million and $(47) million, for the years ended December 31, 2022, 2021 and 2020, respectively. (c)Primarily includes foreign currency translation adjustments of $2 million, $(1) million and $5 million for the years ended December 31, 2022, 2021 and 2020, respectively.

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
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