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Reserves for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2020
Reserves for Credit Losses [Abstract]  
Changes in Card Member Receivable Reserve for Credit Losses
The following table presents changes in the Card Member receivables reserve for credit losses for the three months ended March 31:
(Millions)20202019
Balance, January 1 (a)
$15  $167  
Provisions100  60  
Net write-offs (b)
(50) (61) 
Other adjustments (c)
4  9  
Balance, March 31$69  $175  
(a)Includes a decrease of $147 million related to the adoption of the CECL methodology.
(b)Net of recoveries of $24 million and $31 million for the three months ended March 31, 2020 and 2019, respectively.
(c)For March 31, 2020, primarily includes reserve adjustments related to the removal of U.S. Consumer and Small Business Card Member receivables of $7.2 billion from the Charge Trust and for March 31, 2019, primarily includes reserve balances related to new groups of, and participation interests in, Card Member receivables purchased from affiliates, totaling $1.6 billion.
Changes in the Card Member Loans Reserve for Credit Losses
The following table presents changes in the Card Member loans reserve for credit losses for the three months ended March 31:
(Millions)20202019
Balance, January 1 (a)
$17  $5  
Provisions3  3  
Net write-offs (b)
(2) (2) 
Balance, March 31$18  $6  
(a)Includes an increase of $7 million related to the adoption of the CECL methodology.
(b)Net of recoveries of $0.5 million and $0.3 million for the three months ended March 31, 2020 and 2019, respectively.