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ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2026
Credit Loss [Abstract] |
Schedule of Allowance for Credit Losses Rollforward | 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 June 30, |  | Six Months Ended June 30,
| 2026 |  | 2025 |  | 2026 |  | 2025
(Millions) |  |  |  |  |  |  |
Beginning balance | $ | 2,078 |  |  | $ | 2,172 |  |  | $ | 2,106 |  |  | $ | 2,241 |
Provision for credit losses (1) | 313 |  |  | 274 |  |  | 616 |  |  | 570 |
Net principal losses (2) | (316) |  |  | (348) |  |  | (647) |  |  | (713) |
Ending balance | $ | 2,075 |  |  | $ | 2,098 |  |  | $ | 2,075 |  |  | $ | 2,098 |
__________________________________ (1)Provision for credit losses includes a build/release for the Allowance for credit losses, as well as replenishment of Net principal losses. Beginning on January 1, 2026 any changes in the estimate for uncollectible unpaid interest and fees will be recognized as part of the Provision for credit losses; previously such changes were recognized as part of Interest and fees on loans. (2)Net principal losses are presented net of recoveries of $85 million and $89 million for the three months ended June 30, 2026 and 2025, respectively, and $174 million and $185 million for the six months ended June 30, 2026 and 2025, 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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