v3.26.3
Loan Receivables and Allowance for Credit Losses - Credit Quality Indicators (Details) - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Dec. 31, 2025
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables [1],[2],[3] $ 103,346   $ 103,346   $ 103,808
Gross charge-offs 1,652 $ 1,674 5,226 $ 5,440  
Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 2,352   2,352   2,412
Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 2,130   2,130   2,248
Credit cards          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 95,526   95,526   96,346
Gross charge-offs 1,532 $ 1,553 4,827 $ 5,049  
Credit cards | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 2,170   2,170   2,223
Credit cards | Financial Asset, Equal to or Greater than 90 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables $ 2,058   $ 2,058   $ 2,181
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% 74.00%
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% 18.00%
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 $ 2,644   $ 2,644   $ 1,833
Gross charge-offs 36 $ 29 104 $ 97  
Commercial credit products | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loan receivables 55   55   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 $ 40   $ 40   $ 36
Commercial credit products | Six Hundred and Fifty-One or Higher          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 80.00% 83.00% 80.00% 83.00% 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 12.00% 11.00% 12.00% 11.00% 11.00%
Commercial credit products | Five Hundred and Ninety or Less          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of class of loan receivable 8.00% 6.00% 8.00% 6.00% 6.00%
Consumer installment loans          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Originated current fiscal year $ 1,387   $ 1,387   $ 1,959
Originated fiscal year before current fiscal year 1,299   1,299   1,524
Originated two years before current fiscal year 1,031   1,031   1,091
Originated three years before current fiscal year 747   747   655
Originated four years before current fiscal year 463   463   241
Originated more than five years before current fiscal year 182   182   78
Total loan receivables 5,109   5,109   5,548
Originated current fiscal year, charge-off     25 $ 0  
Originated fiscal year before current fiscal year, charge-off     93 10  
Originated two years before current fiscal year, charge-off     66 101  
Originated three years before current fiscal year, charge-off     56 91  
Originated four years before current fiscal year, charge-off     39 62  
Originated more than five years before current fiscal year, charge-off     16 29  
Gross charge-offs 84 $ 91 295 $ 293  
Consumer installment loans | Financing Receivables, 30 to 89 Days Past Due          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Originated current fiscal year 22   22   37
Originated fiscal year before current fiscal year 28   28   37
Originated two years before current fiscal year 28   28   35
Originated three years before current fiscal year 24   24   23
Originated four years before current fiscal year 17   17   9
Originated more than five years before current fiscal year 8   8   3
Total loan receivables 127   127   144
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 5   5   9
Originated fiscal year before current fiscal year 8   8   9
Originated two years before current fiscal year 7   7   7
Originated three years before current fiscal year 7   7   4
Originated four years before current fiscal year 3   3   1
Originated more than five years before current fiscal year 2   2   1
Total loan receivables $ 32   $ 32   $ 31
[1] At September 30, 2026 and December 31, 2025, loan receivables included deferred costs, net of purchase discounts and deferred income, of $25 million and $(53) million, respectively.
[2] Total loan receivables include $21.9 billion and $22.4 billion of restricted loans of consolidated securitization entities at September 30, 2026 and December 31, 2025, respectively. See Note 5. Variable Interest Entities for further information.
[3] At September 30, 2026 and December 31, 2025, $18.4 billion and $18.3 billion, respectively, of loan receivables were pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve discount window advances.