Changes in the allowance for finance receivable losses were as follows:


(dollars in millions)	Consumer Loans		Credit Cards		Total

Three Months Ended June 30, 2026
Balance at beginning of period	$	2,607	$	212	$	2,819
Provision for finance receivable losses	528		82		610
Charge-offs	(572)		(51)		(623)
Recoveries	113		4		117

Balance at end of period	$	2,676	$	247	$	2,923

Three Months Ended June 30, 2025
Balance at beginning of period	$	2,536	$	152	$	2,688

Provision for finance receivable losses	460		51		511
Charge-offs	(495)		(37)		(532)
Recoveries	85		2		87

Balance at end of period	$	2,586	$	168	$	2,754

Six Months Ended June 30, 2026
Balance at beginning of period	$	2,656	$	209	$	2,865


Provision for finance receivable losses	946		128		1,074
Charge-offs	(1,138)		(100)		(1,238)
Recoveries	212		10		222

Balance at end of period	$	2,676	$	247	$	2,923



Six Months Ended June 30, 2025
Balance at beginning of period	$	2,567	$	138	$	2,705
Provision for finance receivable losses	869		98		967
Charge-offs	(1,020)		(73)		(1,093)
Recoveries	170		5		175

Balance at end of period	$	2,586	$	168	$	2,754