v3.26.3
CREDIT CARD AND OTHER LOANS (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Schedule of Components of Credit Card And Other Loans
The following table provides Credit card and other loans, as of the dates presented:

September 30, 2026December 31, 2025
(Millions)
Credit card loans$18,031 $18,417 
Other loans819 388 
Total credit card and other loans (1)(2)
18,850 18,805 
Less: Allowance for credit losses(2,096)(2,106)
Credit card and other loans, net$16,754 $16,699 
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(1)Includes $11.5 billion and $10.7 billion of Credit card and other loans available to settle obligations of consolidated VIEs as of September 30, 2026 and December 31, 2025, respectively.
(2)Includes $404 million and $378 million, of accrued interest and fees that have not yet been billed to cardholders as of September 30, 2026 and December 31, 2025, respectively.
Schedule of Delinquency Trends of Credit Card and Other Loans Portfolio and Performance of Credit Card Loans that Modified Within 12 months
The following table provides the delinquency trends of our Credit card and other loans portfolio, based on the amortized cost, as of the dates presented:

Aging Analysis of Delinquent Amortized Cost
Credit Card and Other Loans (1)
30 to 59 Days Past Due60 to 89 Days Past Due90 or more Days Past DueTotalTotal
Current		Total
(Millions)
September 30, 2026$366 $276 $642 $1,284 $17,117 $18,401 
December 31, 2025$359 $282 $676 $1,317 $17,076 $18,393 
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(1)Other loans delinquencies have been included with credit card loan delinquencies in the table above, as amounts were insignificant as of each period presented. As permitted by GAAP, the primary difference between the amortized cost basis included in the table
above and the carrying value of our Credit card and other loans relates to the exclusion of unbilled finance charges and fees from the amortized cost basis. As of September 30, 2026 and December 31, 2025, accrued interest and fees that have not yet been billed to cardholders were $404 million and $378 million, respectively, included in Credit card and other loans on the Consolidated Balance Sheets.
The following table provides the performance of our credit card loans that were modified within the 12 months prior to the dates presented and remain in a Loan Modification program as of the dates presented:

Aging Analysis of Delinquent Amortized Cost
Loan Modifications - Credit Card Loans
30 to 59 Days Past Due60 to 89 Days Past Due90 or more Days Past DueTotalTotal
Current		Total
(Millions)
September 30, 2026$20 $18 $20 $58 $251 $309 
December 31, 2025$24 $22 $26 $72 $253 $325 
Schedule of Distribution of Credit Card and Other Loans By Vantage Score The following table reflects the distribution of credit card and other loans by Vantage score as of the dates presented:
September 30, 2026December 31, 2025
651 or
Higher		591 to
650		590 or
Lower		651 or
Higher		591 to
650		590 or
Lower
Credit card loans64 %24 %12 %64 %23 %13 %
Other loans (1)
96 %4 %— %90 %9 %1 %
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(1)Represents Vantage score distribution for our pay-over-time products that had an amortized cost basis of $787 million and $365 million as of September 30, 2026 and December 31, 2025, respectively.
Schedule of Information Relating To Credit Card Loans To Borrowers and Credit Card Loan Modifications The following table provides information relating to credit card loans to borrowers experiencing financial difficulty that were granted a concession under a Loan Modification program during the periods presented:
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
(Millions, except percentages)
Account balance (1)
$90 $100 $251 $258 
% of Total credit card loans
0.5 %0.6 %1.4 %1.5 %
Weighted average interest rate reduction (% points)
23.9 %23.2 %23.9 %23.1 %
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(1)Represents the outstanding balances as of September 30, 2026 and 2025, of all Loan Modifications undertaken in the past three and nine months, respectively, for credit card loans that remain in modification programs as of September 30, 2026 and 2025, respectively. The outstanding balances include principal, accrued interest and fees.
The following table provides additional information regarding credit card Loan Modifications that have subsequently defaulted within 12 months of their modification dates, for the periods presented; the probability of default is factored into the Allowance for credit losses:

Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
(Millions, except for Number of modifications)
Number of modifications6,764 7,124 14,419 14,099 
Outstanding balance$14 $15 $29 $29