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ALLOWANCE FOR CREDIT LOSSES (Tables)
 6 Months Ended
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,
2026202520262025
(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 
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(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.