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Reserves for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 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 six months ended June 30:
(Millions)20202019
Balance, January 1 (a)
$15  $167  
Provisions (b)
264  108  
Net write-offs (c)
(101) (111) 
Other adjustments (d)
6  8  
Balance, June 30$184  $172  
(a)Includes a decrease of $147 million as of January 1, 2020, related to the adoption of the CECL methodology.
(b)Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(c)Net of recoveries of $38 million and $64 million for the six months ended June 30, 2020 and 2019, respectively.
(d)For June 30, 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 June 30, 2019, primarily includes reserve balances related to new groups of, and participation interests in, Card Member receivables purchased from affiliates, totaling $2.7 billion and participation interests in Card Member receivables sold to an affiliate totaled $1.1 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 six months ended June 30:
(Millions)20202019
Balance, January 1 (a)
$17  $5  
Provisions (b)
12  6  
Net write-offs (c)
(6) (4) 
Balance, June 30$23  $7  
(a)Includes an increase of $7 million as of January 1, 2020, related to the adoption of the CECL methodology.
(b)Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(c)Net of recoveries of $1.0 million for both the six months ended June 30, 2020 and 2019.