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ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2025
Credit Loss [Abstract] |
Schedule of Allowance for Loan Loss | The following table provides our Allowance for credit losses for our Credit card and other loans. The amount of the related Allowance for credit losses on other loans is insignificant and therefore has been included in the table below for the periods presented:
| Three Months Ended September 30, |  | Nine Months Ended September 30,
| 2025 |  | 2024 |  | 2025 |  | 2024
(Millions) |  |  |  |  |  |  |
Beginning balance | $ | 2,098 |  |  | $ | 2,164 |  |  | $ | 2,241 |  |  | $ | 2,328 |
Provision for credit losses (1) | 299 |  |  | 369 |  |  | 869 |  |  | 980 |
Change in the estimate for uncollectible unpaid interest and fees | — |  |  | 5 |  |  | — |  |  | 5 |
Net principal losses (2) | (327) |  |  | (348) |  |  | (1,040) |  |  | (1,123) |
Ending balance | $ | 2,070 |  |  | $ | 2,190 |  |  | $ | 2,070 |  |  | $ | 2,190 |
__________________________________ (1)Provision for credit losses includes a build/release for the Allowance, as well as replenishment of Net principal losses. (2)Net principal losses are presented net of recoveries of $82 million and $85 million for the three months ended September 30, 2025 and 2024, respectively, and $267 million and $286 million for the nine months ended September 30, 2025 and 2024, respectively.

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- References No definition available. + Details
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