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


(dollars in millions)	Consumer Loans		Credit Cards		Total

Three Months Ended September 30, 2026
Balance at beginning of period	$	2,676	$	247	$	2,923
Provision for finance receivable losses	518		97		615
Charge-offs	(522)		(48)		(570)
Recoveries	98		3		101

Balance at end of period	$	2,770	$	299	$	3,069

Three Months Ended September 30, 2025
Balance at beginning of period	$	2,586	$	168	$	2,754

Provision for finance receivable losses	437		51		488
Charge-offs	(479)		(36)		(515)
Recoveries	86		2		88

Balance at end of period	$	2,630	$	185	$	2,815

Nine Months Ended September 30, 2026
Balance at beginning of period	$	2,656	$	209	$	2,865


Provision for finance receivable losses	1,464		225		1,689
Charge-offs	(1,660)		(148)		(1,808)
Recoveries	310		13		323

Balance at end of period	$	2,770	$	299	$	3,069



Nine Months Ended September 30, 2025
Balance at beginning of period	$	2,567	$	138	$	2,705
Provision for finance receivable losses	1,306		148		1,454
Charge-offs	(1,499)		(109)		(1,608)
Recoveries	256		8		264

Balance at end of period	$	2,630	$	185	$	2,815