Reserves for Losses (Tables)

6 Months Ended

Jun. 30, 2019

Reserves For Losses Tables [Abstract]

Changes in the Card Member Receivable Reserve for Losses

The following table presents changes in the Card Member receivables reserve for losses for the six months endedJune 30:

(Millions)		2019		2018
Balance, January 1		$	167	$	145
	Provisions		108		119
	Other credits(a)		13		32
	Net write-offs(b)		(111)		(119)
	Other debits(c)		(5)		(20)
Balance, June 30		$	172	$	157

• Primarily reserve balances related to new groups of, and participation interests in, Card Member receivables purchased from affiliates, totaling $2.7 billion and $5.5 billion for the six months endedJune 30, 2019 and 2018, respectively.
• Net of recoveries of $64 million and $55 million for the six months endedJune 30, 2019 and 2018, respectively.
• Primarily reserve balances related to participation interests in Card Member receivables sold to an affiliate. Participation interests in Card Member receivables sold totaled $1.1billion and $3.4 billion for the six months endedJune 30,2019 and 2018, respectively.

Changes in the Card Member Loans Reserve for Losses

The following table presents changes in the Card Member loans reserve for losses for the six months endedJune 30:

(Millions)		2019		2018
Balance, January 1		$	5	$	5
	Provisions		6		3
	Net write-offs(a)		(4)		(3)
Balance, June 30		$	7	$	5

Net of recoveries of $1.0 millionforboththe six months endedJune 30, 2019 and 2018.