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Reserves for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2021
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Key Variables in Macroeconomic Scenarios Utilized for Computation of Reserves for Credit Losses The following table reflects the range of macroeconomic scenario key variables used in conjunction with other inputs, to calculate reserves for credit losses:
U.S. Unemployment Rate
U.S. GDP Growth (Contraction) (a)
June 30, 2021December 31, 2020June 30, 2021December 31, 2020
Second quarter of 20216%
8% - 10%
11%
4% - (4)%
Fourth quarter of 2021
4% - 8%
7% - 11%
7% - (3)%
6% - (2)%
Fourth quarter of 2022
4% - 9%
6% - 12%
2%
4% - 3%
Fourth quarter of 2023
3% - 7%
4% - 10%
3% - 2%
5% - 3%
(a) Real GDP quarter over quarter percentage change seasonally adjusted to annualized rates.
Card Member Receivables  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member receivables reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2021202020212020
Beginning Balance $30 $69 $70 $15 
Provisions (a)
(24)164 (46)264 
Net write-offs (b)
(10)(51)(28)(101)
Other adjustments (c)
— 2 — 6 
Ending Balance$(4)$184 $(4)$184 
(a)Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Net of recoveries of $17 million and $15 million for the three months ended June 30, 2021 and 2020, respectively and $38 million for both the six months ended June 30, 2021 and 2020, respectively.
(c)For the six months ended 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. For all the years presented, also includes foreign currency translation adjustments.
Card Member Loans  
Financing Receivable, Allowance for Credit Loss [Line Items]  
Schedule of Changes in Card Member Loans and Receivables
The following table presents changes in the Card Member loans reserve for credit losses for the three and six months ended June 30:
Three Months Ended June 30,Six Months Ended June 30,
(Millions)2021202020212020
Beginning Balance $24 $18 $20 $17 
Provisions (a)
— 9 8 12 
Net write-offs (b)
(3)(4)(7)(6)
Ending Balance$21 $23 $21 $23 
(a)Provisions for credit losses includes reserve build (release) and replenishment for net write-offs.
(b)Net of recoveries of $0.8 million and $0.5 million for the three months ended June 30, 2021 and 2020, respectively and $1.5 million and $1.0 million for the six months ended June 30, 2021 and 2020, respectively