v3.25.2
Loan Receivables and Allowance for Credit Losses - Credit Quality Indicators (Details) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables [1],[2],[3] $ 99,776   $ 99,776   $ 104,721
Gross charge-offs 1,799 $ 1,977 3,766 $ 3,863  
Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 2,114   2,114   2,413
Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 2,059   2,059   2,512
Credit cards          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 92,036   92,036   96,818
Gross charge-offs 1,674 $ 1,832 3,496 $ 3,593  
Credit cards | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 1,960   1,960   2,229
Credit cards | Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables $ 1,995   $ 1,995   $ 2,431
Credit cards | Six Hundred and Fifty-One or Higher          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 74.00% 73.00% 74.00% 73.00% 73.00%
Credit cards | Five Hundred and Ninety-One to Six Hundred and Fifty          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 18.00% 19.00% 18.00% 19.00% 19.00%
Credit cards | Five Hundred and Ninety or Less          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 8.00% 8.00% 8.00% 8.00% 8.00%
Commercial credit products          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables $ 1,980   $ 1,980   $ 1,826
Gross charge-offs 33 $ 37 68 $ 72  
Commercial credit products | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 37   37   45
Commercial credit products | Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables $ 38   $ 38   $ 42
Commercial credit products | Six Hundred and Fifty-One or Higher          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 83.00% 84.00% 83.00% 84.00% 83.00%
Commercial credit products | Five Hundred and Ninety-One to Six Hundred and Fifty          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 11.00% 7.00% 11.00% 7.00% 7.00%
Commercial credit products | Five Hundred and Ninety or Less          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 6.00% 9.00% 6.00% 9.00% 10.00%
Consumer installment loans          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Originated current fiscal year $ 1,094   $ 1,094   $ 2,581
Originated fiscal year before current fiscal year 1,950   1,950   1,761
Originated two years before current fiscal year 1,376   1,376   1,005
Originated three years before current fiscal year 805   805   424
Originated four years before current fiscal year 320   320   166
Originated more than five years before current fiscal year 124   124   34
Total loan receivables 5,669   5,669   5,971
Originated current fiscal year, charge-off     1    
Originated fiscal year before current fiscal year, charge-off     71 $ 5  
Originated two years before current fiscal year, charge-off     66 97  
Originated three years before current fiscal year, charge-off     44 59  
Originated four years before current fiscal year, charge-off     14 24  
Originated more than five years before current fiscal year, charge-off     6 12  
Gross charge-offs 92 $ 107 202 $ 197  
Consumer installment loans | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Originated current fiscal year 11   11   47
Originated fiscal year before current fiscal year 37   37   44
Originated two years before current fiscal year 33   33   30
Originated three years before current fiscal year 23   23   12
Originated four years before current fiscal year 9   9   5
Originated more than five years before current fiscal year 4   4   1
Total loan receivables 117   117   139
Consumer installment loans | Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Originated current fiscal year 2   2   13
Originated fiscal year before current fiscal year 9   9   13
Originated two years before current fiscal year 7   7   9
Originated three years before current fiscal year 5   5   3
Originated four years before current fiscal year 2   2   1
Originated more than five years before current fiscal year 1   1   0
Total loan receivables $ 26   $ 26   $ 39
[1] At June 30, 2025 and December 31, 2024, loan receivables included deferred costs, net of purchase discounts and deferred income of $(156) million and $(212) million, respectively.
[2] Total loan receivables include $21.2 billion and $21.3 billion of restricted loans of consolidated securitization entities at June 30, 2025 and December 31, 2024, respectively. See Note 6. Variable Interest Entities for further information.
[3] At June 30, 2025 and December 31, 2024, $19.9 billion and $20.7 billion, respectively, of loan receivables were pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve discount window advances.