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Card Member Receivables and Card Member Loans (Tables)
 3 Months Ended
Mar. 31, 2020
Accounts Receivable And Loans Tables [Abstract]  
Card Member receivables segment detail
Card Member receivables as of March 31, 2020 and December 31, 2019 consisted of:
(Millions)20202019
Global Consumer Services Group (a)(c)
$2,060  $9,847  
Global Commercial Services (b)(c)
7,346  15,710  
Card Member receivables (d)
9,406  25,557  
Less: Reserve for credit losses69  162  
Card Member receivables, net (e)
$9,337  $25,395  
(a)Comprised of International Consumer Services as of March 31, 2020 and U.S. and International Consumer Services as of December 31, 2019.
(b)Comprised of Corporate and Small Business Services. Card Member receivables as of March 31, 2020 do not include Card Member receivables funded through a secured loan to TRS. Refer to Note 1 for additional information.
(c)On February 1, 2020, $7.2 billion of U.S. Consumer and Small Business Card Member receivables were transferred out of the Charge Trust resulting in a reduction of the same amount in Credco’s participation interest in such receivables. Refer to Note 1 for additional information.
(d)Net of deferred discount revenue totaling $24 million and $75 million as of March 31, 2020 and December 31, 2019, respectively.
(e)Card Member receivables modified in a troubled debt restructuring (TDR) program were immaterial.
Card Member loans detail
Card Member loans as of March 31, 2020 and December 31, 2019 consisted of:
(Millions)20202019
Global Consumer Services Group (a)
$606  $697  
Less: Reserve for credit losses18  10  
Card Member loans, net (b)
$588  $687  
(a)Comprised of International Consumer Services.
(b)Card Member loans modified in a TDR program were immaterial.
Aging of Card Member receivables and loans The following table presents the aging of Card Member receivables and Card Member loans as of March 31, 2020 and December 31, 2019:
2020 (Millions)Current30-59
Days
Past Due		60-89
Days
Past Due		90+
Days
Past Due		Total
Card Member Receivables:
Global Consumer Services Group$2,026  $12  $7  $15  $2,060  
Global Commercial Services
Global Small Business Services947  6  3  7  963  
Global Corporate Payments (a)
(b)(b)(b)106  6,383  
Card Member Loans:
Global Consumer Services Group$597  $3  $2  $4  $606  

2019 (Millions)Current30-59
Days
Past Due		60-89
Days
Past Due		90+
Days
Past Due		Total
Card Member Receivables:
Global Consumer Services Group$9,766  $29  $16  $36  $9,847  
Global Commercial Services
Global Small Business Services1,996  10  5  9  2,020  
Global Corporate Payments (a)
(b)(b)(b)105  13,690  
Card Member Loans:
Global Consumer Services Group$689  $3  $2  $3  $697  
(a)Global Corporate Payments (GCP) reflects global, large and middle market corporate accounts. Delinquency data is tracked based on days past billing status rather than days past due. A Card Member account is considered 90 days past billing if payment has not been received within 90 days of the Card Member’s billing statement date. In addition, if collection procedures are initiated on an account prior to the account becoming 90 days past billing, the associated Card Member receivable balance is classified as 90 days past billing. These amounts are shown above as 90+ Days Past Due for presentation purposes. See also (b).
(b)Delinquency data for periods other than 90+ days past billing is not available due to system constraints. Therefore, such data has not been utilized for risk management purposes. The balances that are current to 89 days past due can be derived as the difference between the Total and the 90+ Days Past Due balances.
Credit quality indicators for loans and receivables
The following tables present the key credit quality indicators as of or for the three months ended March 31:
20202019
Net Write-Off Rate (a)
30+ Days Past Due as a % of Total
Net Write-Off Rate (a)
30+ Days Past Due as a % of Total
Card Member Receivables:
Global Consumer Services Group1.11 %1.65 %1.20 %0.70 %
Global Small Business Services1.60 %1.66 %1.47 %1.00 %
Global Corporate Payments0.97 %(b) (c) (b) 
Card Member Loans:
Global Consumer Services Group1.78 %1.49 %1.25 %0.78 %
(a)Represents the amount of Card Member receivables or Card Member loans owned by Credco that are written off, net of recoveries, expressed as a percentage of the average Card Member receivables or Card Member loans balances in each of the periods indicated.
(b)For GCP Card Member receivables, delinquency data is tracked based on days past billing status rather than days past due. Delinquency data for periods other than 90+ days past billing is not available due to system constraints. 90+ Days Past Billing as a % of total is 1.66% and 0.63% for the three months ended March 31, 2020 and 2019, respectively.
(c)Net loss ratio was the credit quality indicator for GCP Card Member receivables for prior periods, and represents the amount of Card Member receivables owned by Credco that are written off, net of recoveries, expressed as a percentage of the volume of Card Member receivables purchased by Credco. The net loss ratio for the three months ended March 31, 2019 was 0.06%.