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CREDIT CARD AND OTHER LOANS (Tables) | 6 Months Ended
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Jun. 30, 2026
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, 2026 |  | December 31, 2025
(Millions) |  |  |
Credit card loans | $ | 17,808 |  |  | $ | 18,417 |
Other loans | 669 |  |  | 388 |
Total credit card and other loans (1)(2) | 18,477 |  |  | 18,805 |
Less: Allowance for credit losses | (2,075) |  |  | (2,106) |
Credit card and other loans, net | $ | 16,402 |  |  | $ | 16,699 |
__________________________________ (1)Includes $10.0 billion and $10.7 billion of Credit card and other loans available to settle obligations of consolidated VIEs as of June 30, 2026 and December 31, 2025, respectively. (2)Includes $386 million and $378 million, of accrued interest and fees that have not yet been billed to cardholders as of June 30, 2026 and December 31, 2025, respectively.
Schedule of Delinquency Trends of Credit Card and Other Loans Portfolio and Performance of Credit Card Loans that Modified Within 12 months | 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) |  |  |  |
| 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 or more Days Past Due |  | Total |  | Total Current |  | Total
(Millions) |  |  |  |  |  |  |  |  |  |  |
June 30, 2026 | $ | 334 |  |  | $ | 265 |  |  | $ | 585 |  |  | $ | 1,184 |  |  | $ | 16,873 |  |  | $ | 18,057 |
December 31, 2025 | $ | 359 |  |  | $ | 282 |  |  | $ | 676 |  |  | $ | 1,317 |  |  | $ | 17,076 |  |  | $ | 18,393 |
__________________________________ (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, 2026 and December 31, 2025, accrued interest and fees that have not yet been billed to cardholders were $386 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 |  |  |  |
| 30 to 59 Days Past Due |  | 60 to 89 Days Past Due |  | 90 or more Days Past Due |  | Total |  | Total Current |  | Total
(Millions) |  |  |  |  |  |  |  |  |  |  |
June 30, 2026 | $ | 21 |  |  | $ | 17 |  |  | $ | 23 |  |  | $ | 61 |  |  | $ | 264 |  |  | $ | 325 |
December 31, 2025 | $ | 24 |  |  | $ | 22 |  |  | $ | 26 |  |  | $ | 72 |  |  | $ | 253 |  |  | $ | 325 |
Schedule of Distribution of Credit Card and Other Loans By Vantage Score | The following table reflects the distribution of credit card and other loans by Vantage score as of the dates presented:
| June 30, 2026 |  | December 31, 2025
| 651 or Higher |  | 591 to 650 |  | 590 or Lower |  | 651 or Higher |  | 591 to 650 |  | 590 or Lower
Credit card loans | 65 | % |  | 23 | % |  | 12 | % |  | 64 | % |  | 23 | % |  | 13 | %
Other loans (1) | 94 | % |  | 6 | % |  | — | % |  | 90 | % |  | 9 | % |  | 1 | %
__________________________________ (1)Represents Vantage score distribution for our pay-over-time products that had an amortized cost basis of $647 million and $365 million as of June 30, 2026 and December 31, 2025, respectively.
Schedule of Information Relating To Credit Card Loans To Borrowers and Credit Card Loan Modifications | 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, |  | Six Months Ended June 30,
| 2026 |  | 2025 |  | 2026 |  | 2025
(Millions, except percentages) |  |  |  |  |  |  |
Account balance (1) | $ | 89 |  |  | $ | 87 |  |  | $ | 196 |  |  | $ | 182 |
% of Total credit card loans | 0.5 | % |  | 0.5 | % |  | 1.1 | % |  | 1.1 | %
Weighted average interest rate reduction (% points) | 23.5 | % |  | 22.9 | % |  | 23.7 | % |  | 23.0 | %
__________________________________ (1)Represents the outstanding balances as of June 30, 2026 and 2025, 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, 2026 and 2025, 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, |  | Six Months Ended June 30,
| 2026 |  | 2025 |  | 2026 |  | 2025
(Millions, except for Number of modifications) |  |  |  |  |  |  |
Number of modifications | 7,683 |  |  | 7,312 |  |  | $ | 13,136 |  |  | $ | 12,609 |
Outstanding balance | $ | 15 |  |  | $ | 15 |  |  | $ | 26 |  |  | $ | 25 |

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