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Card Member Receivables and Card Member Loans (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Financing receivables detail
Card Member receivables as of December 31, 2020 and 2019 consisted of:

(Millions)20202019
Global Consumer Services Group(a)(b)
$2,157 $9,847 
Global Commercial Services(b)
10,000 15,710 
Card Member receivables(c)
12,157 25,557 
Less: Reserve for credit losses70 162 
Card Member receivables, net(d)
$12,087 $25,395 
(a)Comprised of International Consumer Services as of December 31, 2020, and U.S. and International Consumer Services as of December 31, 2019.
(b)During the three months ended March 31, 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.
(c)Net of deferred discount revenue totaling $19 million and $75 million as of December 31, 2020, and 2019, respectively.
(d)Card Member receivables modified in a troubled debt restructuring (TDR) program were immaterial.
Card Member loans as of December 31, 2020, and 2019 consisted of:

(Millions)20202019
Global Consumer Services Group(a)
$500 $697 
Less: Reserve for credit losses20 10 
Card Member loans, net(b)
$480 $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 December 31, 2020, and 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$2,139 $5 $4 $9 $2,157 
Global Commercial Services
Global Small Business Services1,047 3 2 5 1,057 
Global Corporate Payments(a)
(b)(b)(b)32 8,943 
Card Member Loans:
Global Consumer Services Group$493 $2 $1 $4 $500 

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 receivables and loans
The following tables present the key credit quality indicators as of or for the years ended December 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 Group1.51 %0.83 %1.10 %0.82 %
Global Small Business Services1.84 %0.95 %1.39 %1.19 %
Global Corporate Payments1.25 %(b)(c)(b)
Card Member Loans:
Global Consumer Services Group2.81 %1.40 %1.53 %1.15 %
(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 receivable or Card Member loan 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 0.36% and 0.77% for the year ended December 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 year ended December 31, 2019 was 0.06%.