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CREDIT CARD AND OTHER LOANS (Tables) | 9 Months Ended
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Sep. 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:
| September 30, 2025 |  | December 31, 2024
(Millions) |  |  |
Credit card loans | $ | 17,341 |  |  | $ | 18,586 |
Other loans | 314 |  |  | 310 |
Total credit card and other loans (1)(2) | 17,655 |  |  | 18,896 |
Less: Allowance for credit losses | (2,070) |  |  | (2,241) |
Credit card and other loans, net | $ | 15,585 |  |  | $ | 16,655 |
__________________________________ (1)Includes $10.0 billion and $12.4 billion of Credit card and other loans available to settle obligations of consolidated VIEs as of September 30, 2025 and December 31, 2024, respectively. (2)Includes $375 million and $378 million, of accrued interest and fees that have not yet been billed to cardholders as of September 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) |  |  |  |  |  |  |  |  |  |  |
September 30, 2025 | $ | 358 |  |  | $ | 278 |  |  | $ | 656 |  |  | $ | 1,292 |  |  | $ | 15,956 |  |  | $ | 17,248 |
December 31, 2024 | $ | 369 |  |  | $ | 288 |  |  | $ | 730 |  |  | $ | 1,387 |  |  | $ | 17,105 |  |  | $ | 18,492 |
__________________________________ (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 September 30, 2025 and December 31, 2024, accrued interest and fees that have not yet been billed to cardholders were $375 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) |  |  |  |  |  |  |  |  |  |  |
September 30, 2025 | $ | 23 |  |  | $ | 21 |  |  | $ | 23 |  |  | $ | 67 |  |  | $ | 247 |  |  | $ | 314 |
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
| September 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 September 30, 2025 |  | Three Months Ended September 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 | $ | 100 |  |  | 0.6 | % |  | 23.2 | % |  | $ | 94 |  |  | 0.5 | % |  | 21.8 | %
| Nine Months Ended September 30, 2025 |  | Nine Months Ended September 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 | $ | 258 |  |  | 1.5 | % |  | 23.1 | % |  | $ | 238 |  |  | 1.4 | % |  | 21.7 | %
__________________________________ (1)Represents the outstanding balances as of September 30, 2025 and 2024, of all Loan Modifications undertaken in the past three and nine months, respectively, for credit card loans that remain in modification programs as of September 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 September 30, 2025 |  | Three Months Ended September 30, 2024
| Number of Modifications |  | Outstanding Balance |  | Number of Modifications |  | Outstanding Balance
(Millions, except for Number of modifications) |  |  |  |  |  |  |
Loan Modifications that subsequently defaulted | 7,124 |  | $ | 15 |  |  | 7,653 |  |  | $ | 14 |
| Nine Months Ended September 30, 2025 |  | Nine Months Ended September 30, 2024
| Number of Modifications |  | Outstanding Balance |  | Number of Modifications |  | Outstanding Balance
(Millions, except for Number of modifications) |  |  |  |  |  |  |
Loan Modifications that subsequently defaulted | 14,099 |  | $ | 29 |  |  | 16,342 |  | $ | 29 |

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- 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. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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