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Loans and Related Allowance for Credit Losses (Credit Quality Indicators for Automobile, Credit Card, Education and Other Consumer Loan Classes) (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022 | Dec. 31, 2022
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Total loans, net | [1] | $ 318,416 |  | $ 318,416 |  | $ 326,025
Gross charge-offs |  |  |  |  |  |
Total |  | 233 | $ 222 | 808 | $ 668 |
Updated FICO scores |  |  |  |  |  |
Gross charge-offs |  |  |  |  |  |
Year two |  |  |  | 18 |  |
Year three |  |  |  | 18 |  |
Year four |  |  |  | 13 |  |
Year five |  |  |  | 23 |  |
Prior |  |  |  | 19 |  |
Total |  |  |  | 91 |  |
Updated FICO scores | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 4,647 |  | 4,647 |  | 5,139
Year two |  | 3,980 |  | 3,980 |  | 4,424
Year three |  | 3,249 |  | 3,249 |  | 2,054
Year four |  | 1,363 |  | 1,363 |  | 2,067
Year five |  | 1,223 |  | 1,223 |  | 878
Prior |  | 478 |  | 478 |  | 274
Total loans, net |  | 14,940 |  | 14,940 |  | 14,836
Updated FICO scores | Greater than or equal to 780 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 2,221 |  | 2,221 |  | 2,390
Year two |  | 1,776 |  | 1,776 |  | 2,162
Year three |  | 1,653 |  | 1,653 |  | 922
Year four |  | 624 |  | 624 |  | 760
Year five |  | 456 |  | 456 |  | 241
Prior |  | 127 |  | 127 |  | 75
Total loans, net |  | 6,857 |  | 6,857 |  | 6,550
Updated FICO scores | 720 to 779 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 1,454 |  | 1,454 |  | 1,702
Year two |  | 1,266 |  | 1,266 |  | 1,312
Year three |  | 892 |  | 892 |  | 561
Year four |  | 356 |  | 356 |  | 538
Year five |  | 309 |  | 309 |  | 222
Prior |  | 115 |  | 115 |  | 69
Total loans, net |  | 4,392 |  | 4,392 |  | 4,404
Updated FICO scores | 660 to 719 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 804 |  | 804 |  | 854
Year two |  | 677 |  | 677 |  | 660
Year three |  | 456 |  | 456 |  | 341
Year four |  | 218 |  | 218 |  | 401
Year five |  | 228 |  | 228 |  | 187
Prior |  | 100 |  | 100 |  | 56
Total loans, net |  | 2,483 |  | 2,483 |  | 2,499
Updated FICO scores | Less than 660 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 168 |  | 168 |  | 193
Year two |  | 261 |  | 261 |  | 290
Year three |  | 248 |  | 248 |  | 230
Year four |  | 165 |  | 165 |  | 368
Year five |  | 230 |  | 230 |  | 228
Prior |  | 136 |  | 136 |  | 74
Total loans, net |  | 1,208 |  | 1,208 |  | 1,383
Credit card |  |  |  |  |  |
Gross charge-offs |  |  |  |  |  |
Revolving Loans |  |  |  | 212 |  |
Revolving Loans Converted to Term |  |  |  | 20 |  |
Total |  |  |  | 232 |  |
Credit card | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 6,994 |  | 6,994 |  | 7,010
Revolving Loans Converted to Term |  | 66 |  | 66 |  | 59
Total loans, net |  | 7,060 |  | 7,060 |  | 7,069
Credit card | Greater than or equal to 780 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 1,920 |  | 1,920 |  | 1,954
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 2
Total loans, net |  | 1,921 |  | 1,921 |  | 1,956
Credit card | 720 to 779 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 1,967 |  | 1,967 |  | 1,994
Revolving Loans Converted to Term |  | 5 |  | 5 |  | 6
Total loans, net |  | 1,972 |  | 1,972 |  | 2,000
Credit card | 660 to 719 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 1,982 |  | 1,982 |  | 1,957
Revolving Loans Converted to Term |  | 13 |  | 13 |  | 13
Total loans, net |  | 1,995 |  | 1,995 |  | 1,970
Credit card | Less than 660 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 1,016 |  | 1,016 |  | 1,001
Revolving Loans Converted to Term |  | 44 |  | 44 |  | 35
Total loans, net |  | 1,060 |  | 1,060 |  | 1,036
Credit card | No FICO score available or required | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 109 |  | 109 |  | 104
Revolving Loans Converted to Term |  | 3 |  | 3 |  | 3
Total loans, net |  | 112 |  | 112 |  | 107
Education |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 75 |  | 75 |  | 126
Year two |  | 165 |  | 165 |  | 97
Year three |  | 86 |  | 86 |  | 88
Year four |  | 74 |  | 74 |  | 105
Year five |  | 89 |  | 89 |  | 85
Prior |  | 1,531 |  | 1,531 |  | 1,672
Total loans, net |  | 2,020 |  | 2,020 |  | 2,173
Gross charge-offs |  |  |  |  |  |
Year three |  |  |  | 1 |  |
Year four |  |  |  | 1 |  |
Year five |  |  |  | 1 |  |
Prior |  |  |  | 10 |  |
Total |  |  |  | 13 |  |
Education | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 75 |  | 75 |  | 126
Year two |  | 165 |  | 165 |  | 97
Year three |  | 86 |  | 86 |  | 88
Year four |  | 74 |  | 74 |  | 105
Year five |  | 89 |  | 89 |  | 85
Prior |  | 570 |  | 570 |  | 584
Total loans, net |  | 1,059 |  | 1,059 |  | 1,085
Education | Greater than or equal to 780 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 7 |  | 7 |  | 42
Year two |  | 25 |  | 25 |  | 53
Year three |  | 8 |  | 8 |  | 48
Year four |  | 11 |  | 11 |  | 61
Year five |  | 19 |  | 19 |  | 51
Prior |  | 133 |  | 133 |  | 357
Total loans, net |  | 203 |  | 203 |  | 612
Education | 720 to 779 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 20 |  | 20 |  | 39
Year two |  | 45 |  | 45 |  | 27
Year three |  | 25 |  | 25 |  | 24
Year four |  | 25 |  | 25 |  | 30
Year five |  | 32 |  | 32 |  | 24
Prior |  | 182 |  | 182 |  | 143
Total loans, net |  | 329 |  | 329 |  | 287
Education | 660 to 719 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 19 |  | 19 |  | 21
Year two |  | 45 |  | 45 |  | 8
Year three |  | 27 |  | 27 |  | 8
Year four |  | 23 |  | 23 |  | 9
Year five |  | 29 |  | 29 |  | 8
Prior |  | 156 |  | 156 |  | 59
Total loans, net |  | 299 |  | 299 |  | 113
Education | Less than 660 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 9 |  | 9 |  | 4
Year two |  | 37 |  | 37 |  | 1
Year three |  | 16 |  | 16 |  | 1
Year four |  | 8 |  | 8 |  | 2
Year five |  | 7 |  | 7 |  | 2
Prior |  | 94 |  | 94 |  | 24
Total loans, net |  | 171 |  | 171 |  | 34
Education | No FICO score available or required | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 20 |  | 20 |  | 20
Year two |  | 13 |  | 13 |  | 8
Year three |  | 10 |  | 10 |  | 7
Year four |  | 7 |  | 7 |  | 3
Year five |  | 2 |  | 2 |  |
Prior |  | 5 |  | 5 |  | 1
Total loans, net |  | 57 |  | 57 |  | 39
Education | Other internal credit metrics |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Prior |  | 961 |  | 961 |  | 1,088
Total loans, net |  | 961 |  | 961 |  | 1,088
Other consumer |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 599 |  | 599 |  | 912
Year two |  | 653 |  | 653 |  | 420
Year three |  | 259 |  | 259 |  | 266
Year four |  | 188 |  | 188 |  | 248
Year five |  | 165 |  | 165 |  | 89
Prior |  | 75 |  | 75 |  | 76
Revolving Loans |  | 2,491 |  | 2,491 |  | 2,995
Revolving Loans Converted to Term |  | 16 |  | 16 |  | 20
Total loans, net |  | 4,446 |  | 4,446 |  | 5,026
Gross charge-offs |  |  |  |  |  |
Year one |  |  |  | 54 |  |
Year two |  |  |  | 16 |  |
Year three |  |  |  | 14 |  |
Year four |  |  |  | 12 |  |
Year five |  |  |  | 12 |  |
Prior |  |  |  | 7 |  |
Revolving Loans |  |  |  | 8 |  |
Revolving Loans Converted to Term |  |  |  | 1 |  |
Total |  |  |  | 124 |  |
Other consumer | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 567 |  | 567 |  | 787
Year two |  | 546 |  | 546 |  | 377
Year three |  | 227 |  | 227 |  | 226
Year four |  | 115 |  | 115 |  | 214
Year five |  | 93 |  | 93 |  | 82
Prior |  | 52 |  | 52 |  | 47
Revolving Loans |  | 252 |  | 252 |  | 275
Revolving Loans Converted to Term |  | 6 |  | 6 |  | 8
Total loans, net |  | 1,858 |  | 1,858 |  | 2,016
Other consumer | Greater than or equal to 780 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 195 |  | 195 |  | 224
Year two |  | 151 |  | 151 |  | 97
Year three |  | 57 |  | 57 |  | 53
Year four |  | 27 |  | 27 |  | 46
Year five |  | 20 |  | 20 |  | 14
Prior |  | 14 |  | 14 |  | 18
Revolving Loans |  | 40 |  | 40 |  | 47
Revolving Loans Converted to Term |  | 2 |  | 2 |  | 2
Total loans, net |  | 506 |  | 506 |  | 501
Other consumer | 720 to 779 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 244 |  | 244 |  | 302
Year two |  | 189 |  | 189 |  | 122
Year three |  | 68 |  | 68 |  | 68
Year four |  | 32 |  | 32 |  | 62
Year five |  | 25 |  | 25 |  | 20
Prior |  | 14 |  | 14 |  | 15
Revolving Loans |  | 81 |  | 81 |  | 89
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 2
Total loans, net |  | 654 |  | 654 |  | 680
Other consumer | 660 to 719 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 117 |  | 117 |  | 229
Year two |  | 155 |  | 155 |  | 110
Year three |  | 68 |  | 68 |  | 68
Year four |  | 35 |  | 35 |  | 66
Year five |  | 29 |  | 29 |  | 28
Prior |  | 14 |  | 14 |  | 8
Revolving Loans |  | 88 |  | 88 |  | 95
Revolving Loans Converted to Term |  | 2 |  | 2 |  | 2
Total loans, net |  | 508 |  | 508 |  | 606
Other consumer | Less than 660 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 11 |  | 11 |  | 32
Year two |  | 51 |  | 51 |  | 48
Year three |  | 34 |  | 34 |  | 37
Year four |  | 21 |  | 21 |  | 40
Year five |  | 19 |  | 19 |  | 20
Prior |  | 10 |  | 10 |  | 6
Revolving Loans |  | 43 |  | 43 |  | 44
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 2
Total loans, net |  | 190 |  | 190 |  | 229
Other consumer | Other internal credit metrics |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 32 |  | 32 |  | 125
Year two |  | 107 |  | 107 |  | 43
Year three |  | 32 |  | 32 |  | 40
Year four |  | 73 |  | 73 |  | 34
Year five |  | 72 |  | 72 |  | 7
Prior |  | 23 |  | 23 |  | 29
Revolving Loans |  | 2,239 |  | 2,239 |  | 2,720
Revolving Loans Converted to Term |  | 10 |  | 10 |  | 12
Total loans, net |  | $ 2,588 |  | $ 2,588 |  | $ 3,010
[1] | Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.9 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at September 30, 2023. Comparable amounts at December 31, 2022 were $0.9 billion, $1.3 billion and $0.1 billion, respectively.

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