Delinquent Loan Qualification Period

[Table of Contents](#i6f5a02f7aeae4b00b01c55901eb4a1a5_4)Delinquencies are an indicator of credit quality at a point in time. A loan balance is considered delinquent when contractual payments on the loan become 30 days past due.The amortized cost basis (excluding accrued interest receivable presented in other assets) of delinquent loans in the Company's loan portfolio is shown below for credit card, private student and personal loan receivables (dollars in millions):

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|  | March 31, 2022 |  | December 31, 2021 |
|  | 30-89 DaysDelinquent |  | 90 orMore DaysDelinquent |  | Total PastDue |  | 30-89 DaysDelinquent |  | 90 orMore DaysDelinquent |  | Total PastDue |
| Credit card loans | $ | 692  |  |  | $ | 613  |  |  | $ | 1,305  |  |  | $ | 670  |  |  | $ | 562  |  |  | $ | 1,232  |  |
| Private student loans by origination year(1) |  |  |  |  |  |  |  |  |  |  |  |
| 2022 | $ | —  |  |  | $ | —  |  |  | $ | —  |  |  |  |  |  |  |  |
| 2021 | 1  |  |  | 1  |  |  | 2  |  |  | $ | —  |  |  | $ | —  |  |  | $ | —  |  |
| 2020 | 6  |  |  | 4  |  |  | 10  |  |  | 4  |  |  | 1  |  |  | 5  |  |
| 2019 | 11  |  |  | 4  |  |  | 15  |  |  | 9  |  |  | 2  |  |  | 11  |  |
| 2018 | 15  |  |  | 6  |  |  | 21  |  |  | 14  |  |  | 4  |  |  | 18  |  |
| Prior | 92  |  |  | 28  |  |  | 120  |  |  | 94  |  |  | 29  |  |  | 123  |  |
| Total private student loans | $ | 125  |  |  | $ | 43  |  |  | $ | 168  |  |  | $ | 121  |  |  | $ | 36  |  |  | $ | 157  |  |
| Personal loans by origination year |  |  |  |  |  |  |  |  |  |  |  |
| 2022 | $ | —  |  |  | $ | —  |  |  | $ | —  |  |  |  |  |  |  |  |
| 2021 | 8  |  |  | 2  |  |  | 10  |  |  | $ | 5  |  |  | $ | 1  |  |  | $ | 6  |  |
| 2020 | 7  |  |  | 3  |  |  | 10  |  |  | 7  |  |  | 2  |  |  | 9  |  |
| 2019 | 10  |  |  | 4  |  |  | 14  |  |  | 11  |  |  | 4  |  |  | 15  |  |
| 2018 | 5  |  |  | 2  |  |  | 7  |  |  | 6  |  |  | 3  |  |  | 9  |  |
| Prior | 5  |  |  | 2  |  |  | 7  |  |  | 6  |  |  | 3  |  |  | 9  |  |
| Total personal loans | $ | 35  |  |  | $ | 13  |  |  | $ | 48  |  |  | $ | 35  |  |  | $ | 13  |  |  | $ | 48  |  |
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(1)Private student loans may include a deferment period, during which borrowers are not required to make payments while enrolled in school at least half time as determined by the school. During a deferment period, these loans do not advance into delinquency.  
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