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CREDIT CARD AND OTHER LOANS (Tables)

6 Months Ended

Jun. 30, 2025

Receivables [Abstract]

Schedule of Components of Credit Card And Other Loans

The following table provides Credit card and other loans, as of the dates presented:

			June 30, 2025						December 31, 2024
(Millions)
Credit card loans			$	17,358					$	18,586
Other loans			298						310
Total credit card and other loans (1)(2)			17,656						18,896
Less: Allowance for credit losses			(2,098)						(2,241)
Credit card and other loans, net			$	15,558					$	16,655

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(1)Includes $11.2 billion and $12.4 billion of Credit card and other loans available to settle obligations of consolidated VIEs as of June 30, 2025 and December 31, 2024, respectively.

(2)Includes $366 million and $378 million, of accrued interest and fees that have not yet been billed to cardholders as of June 30, 2025 and December 31, 2024, respectively.

Schedule of Aging Analysis of Total Credit Card And Other Loans Portfolio At Amortized Cost

The following table provides the delinquency trends of our Credit card and other loans portfolio, based on the amortized cost, as of the dates presented:

			Aging Analysis of Delinquent Amortized Cost Credit Card and Other Loans (1)
			31 to 60 Days Past Due						61 to 90 Days Past Due						91 or more Days Past Due						Total						Total Current						Total
(Millions)
June 30, 2025			$	333					$	272					$	629					$	1,234					$	16,033					$	17,267
December 31, 2024			$	369					$	288					$	730					$	1,387					$	17,105					$	18,492

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(1)Other loans delinquencies have been included with credit card loan delinquencies in the table above, as amounts were insignificant as of each period presented. As permitted by GAAP, the primary difference between the amortized cost basis included in the table above and the carrying value of our Credit card and other loans relates to the exclusion of unbilled finance charges and fees from the amortized cost basis. As of June 30, 2025 and December 31, 2024, accrued interest and fees that have not yet been billed to cardholders were $366 million and $378 million, respectively, included in Credit card and other loans on the Consolidated Balance Sheets.

The following table provides the performance of our credit card loans that were modified within the 12 months prior to the dates presented and remain in a Loan Modification program as of the dates presented:

			Aging Analysis of Delinquent Amortized Cost Loan Modifications - Credit Card Loans
			31 to 60 Days Past Due						61 to 90 Days Past Due						91 or more Days Past Due						Total						Total Current						Total
(Millions)
June 30, 2025			$	19					$	17					$	20					$	56					$	248					$	304
December 31, 2024			$	21					$	18					$	22					$	61					$	242					$	303

Schedule of Composition of Credit Quality

The following table reflects the distribution of credit card loans by Vantage score as of the dates presented:

			Vantage
			June 30, 2025																		December 31, 2024
			661 or Higher						601 to 660						600 or Lower						661 or Higher						601 to 660						600 or Lower
Credit card loans			58		%				27		%				15		%				58		%				27		%				15		%

Schedule of Information on Credit Card Loans Considered Troubled Debt Restructurings

The following table provides information relating to credit card loans to borrowers experiencing financial difficulty that were granted a concession under a Loan Modification program during the periods presented:

			Three Months Ended June 30, 2025																		Three Months Ended June 30, 2024
			Account Balances (1)						% of Total Credit Card Loans						Weighted Average Interest Rate Reduction (% points)						Account Balances (1)						% of Total Credit Card Loans						Weighted Average Interest Rate Reduction (% points)
(Millions, except percentages)
Credit card loans			$	87					0.5		%				22.9		%				$	86					0.5		%				21.5		%

			Six Months Ended June 30, 2025																		Six Months Ended June 30, 2024
			Account Balances (1)						% of Total Credit Card Loans						Weighted Average Interest Rate Reduction (% points)						Account Balances (1)						% of Total Credit Card Loans						Weighted Average Interest Rate Reduction (% points)
(Millions, except percentages)
Credit card loans			$	182					1.1		%				23.0		%				$	174					1.0		%				21.4		%

__________________________________

(1)Represents the outstanding balances as of June 30, 2025 and 2024, of all Loan Modifications undertaken in the past three and six months, respectively, for credit card loans that remain in modification programs as of June 30, 2025 and 2024, respectively. The outstanding balances include principal, accrued interest and fees.

The following table provides additional information regarding credit card Loan Modifications that have subsequently defaulted within 12 months of their modification dates, for the periods presented; the probability of default is factored into the Allowance for credit losses:

			Three Months Ended June 30, 2025												Three Months Ended June 30, 2024
			Number of Modifications						Outstanding Balance						Number of Modifications						Outstanding Balance
(Millions, except for Number of modifications)
Loan Modifications that subsequently defaulted			7,312						$	15					8,448						$	15

			Six Months Ended June 30, 2025												Six Months Ended June 30, 2024
			Number of Modifications						Outstanding Balance						Number of Modifications						Outstanding Balance
(Millions, except for Number of modifications)
Loan Modifications that subsequently defaulted			12,609						$	25					14,505						$	25

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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