(Unaudited) Year ended December 31, (in millions) 2020 2019 2018 Accruing restructured loans U.S.: Consumer, excluding credit card: Gross amount of interest that would have been recorded at the original terms $ 241 $ 279 $ 326  Interest that was recognized in income (151) (192) (215) Total U.S. consumer, excluding credit card 90 87  111  Credit card: Gross amount of interest that would have been recorded at the original terms 255 265  227  Interest that was recognized in income (69) (72) (65) Total U.S. credit card 186 193  162  Total U.S. consumer 276 280  273  Wholesale: Gross amount of interest that would have been recorded at the original terms 3 5  7  Interest that was recognized in income (2) (3) (6) Total U.S. wholesale 1 2  1  Negative impact — U.S. 277 282  274  Non-U.S.: Consumer, excluding credit card: Gross amount of interest that would have been recorded at the original terms — —  —  Interest that was recognized in income — —  —  Total non-U.S. consumer, excluding credit card — —  —  Credit card: Gross amount of interest that would have been recorded at the original terms — —  —  Interest that was recognized in income — —  —  Total non-U.S. credit card — —  —  Total non-U.S. consumer — —  —  Wholesale: Gross amount of interest that would have been recorded at the original terms — —  —  Interest that was recognized in income — —  —  Total non-U.S. wholesale — —  —  Negative impact — non-U.S. — —  —  Total negative impact on interest income $ 277 $ 282 $ 274  317