v3.25.2
Allowance for Finance Receivable Losses (Tables)
 6 Months Ended
Jun. 30, 2025
Receivables [Abstract]  
Schedule of Changes in the Allowance for Finance Receivable Losses by Finance Receivable Type
Changes in the allowance for finance receivable losses were as follows:
(dollars in millions)
Consumer Loans
Credit CardsTotal
Three Months Ended June 30, 2025  
Balance at beginning of period$2,536 $152 $2,688 
Provision for finance receivable losses460 51 511 
Charge-offs(495)(37)(532)
Recoveries85 2 87 
Balance at end of period$2,586 $168 $2,754 
Three Months Ended June 30, 2024  
Balance at beginning of period$2,376 $78 $2,454 
Provision for finance receivable losses
533 42 575 
Charge-offs(553)(18)(571)
Recoveries75 — 75 
Other *
31 — 31 
Balance at end of period$2,462 $102 $2,564 
Six Months Ended June 30, 2025
Balance at beginning of period$2,567 $138 $2,705 
Provision for finance receivable losses869 98 967 
Charge-offs(1,020)(73)(1,093)
Recoveries170 5 175 
Balance at end of period$2,586 $168 $2,754 
Six Months Ended June 30, 2024
Balance at beginning of period$2,415 $65 $2,480 
Provision for finance receivable losses939 67 1,006 
Charge-offs(1,075)(31)(1,106)
Recoveries152 1 153 
Other *
31 — 31 
Balance at end of period$2,462 $102 $2,564 
*    Represents allowance for finance receivable losses recognized on purchased credit deteriorated (“PCD”) loans acquired in the acquisition of Foursight Capital LLC on April 1, 2024 (“Foursight Acquisition”). See Note 4 of the Notes to the Consolidated Financial Statements in Part II - Item 8 of our Annual Report for additional information.