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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 | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2024 | Sep. 30, 2023 | Sep. 30, 2024 | Sep. 30, 2023 | Dec. 31, 2023
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Total loans, net | [1] | $ 321,381 |  | $ 321,381 |  | $ 321,508
Gross charge-offs |  |  |  |  |  |
Total |  | 376 | $ 233 | 1,081 | $ 808 |
Updated FICO scores |  |  |  |  |  |
Gross charge-offs |  |  |  |  |  |
Year one |  |  |  | 4 |  | 8
Year two |  |  |  | 33 |  | 24
Year three |  |  |  | 21 |  | 22
Year four |  |  |  | 13 |  | 17
Year five |  |  |  | 9 |  | 30
Prior |  |  |  | 18 |  | 20
Total |  |  |  | 98 |  | 121
Updated FICO scores | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 4,988 |  | 4,988 |  | 5,797
Year two |  | 4,320 |  | 4,320 |  | 3,630
Year three |  | 2,629 |  | 2,629 |  | 2,912
Year four |  | 1,958 |  | 1,958 |  | 1,174
Year five |  | 673 |  | 673 |  | 1,004
Prior |  | 567 |  | 567 |  | 343
Total loans, net |  | 15,135 |  | 15,135 |  | 14,860
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 |  | 2,590 |  | 2,590 |  | 2,722
Year two |  | 1,901 |  | 1,901 |  | 1,650
Year three |  | 1,227 |  | 1,227 |  | 1,483
Year four |  | 1,010 |  | 1,010 |  | 535
Year five |  | 304 |  | 304 |  | 368
Prior |  | 181 |  | 181 |  | 88
Total loans, net |  | 7,213 |  | 7,213 |  | 6,846
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 |  | 1,533 |  | 1,533 |  | 1,797
Year two |  | 1,309 |  | 1,309 |  | 1,104
Year three |  | 747 |  | 747 |  | 778
Year four |  | 494 |  | 494 |  | 301
Year five |  | 164 |  | 164 |  | 250
Prior |  | 132 |  | 132 |  | 80
Total loans, net |  | 4,379 |  | 4,379 |  | 4,310
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 |  | 720 |  | 720 |  | 1,014
Year two |  | 756 |  | 756 |  | 604
Year three |  | 417 |  | 417 |  | 408
Year four |  | 266 |  | 266 |  | 186
Year five |  | 104 |  | 104 |  | 186
Prior |  | 106 |  | 106 |  | 70
Total loans, net |  | 2,369 |  | 2,369 |  | 2,468
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 |  | 145 |  | 145 |  | 264
Year two |  | 354 |  | 354 |  | 272
Year three |  | 238 |  | 238 |  | 243
Year four |  | 188 |  | 188 |  | 152
Year five |  | 101 |  | 101 |  | 200
Prior |  | 148 |  | 148 |  | 105
Total loans, net |  | 1,174 |  | 1,174 |  | 1,236
Credit card |  |  |  |  |  |
Gross charge-offs |  |  |  |  |  |
Revolving Loans |  |  |  | 240 |  | 290
Revolving Loans Converted to Term |  |  |  | 28 |  | 29
Total |  |  |  | 268 |  | 319
Credit card | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Revolving Loans |  | 6,748 |  | 6,748 |  | 7,111
Revolving Loans Converted to Term |  | 79 |  | 79 |  | 69
Total loans, net |  | 6,827 |  | 6,827 |  | 7,180
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 |  | 2,000 |  | 2,000 |  | 2,017
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 1
Total loans, net |  | 2,001 |  | 2,001 |  | 2,018
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 |  | 1,864 |  | 1,864 |  | 1,976
Revolving Loans Converted to Term |  | 5 |  | 5 |  | 4
Total loans, net |  | 1,869 |  | 1,869 |  | 1,980
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 |  | 1,836 |  | 1,836 |  | 1,979
Revolving Loans Converted to Term |  | 15 |  | 15 |  | 13
Total loans, net |  | 1,851 |  | 1,851 |  | 1,992
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 |  | 946 |  | 946 |  | 1,036
Revolving Loans Converted to Term |  | 55 |  | 55 |  | 48
Total loans, net |  | 1,001 |  | 1,001 |  | 1,084
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 |  | 102 |  | 102 |  | 103
Revolving Loans Converted to Term |  | 3 |  | 3 |  | 3
Total loans, net |  | 105 |  | 105 |  | 106
Education |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 49 |  | 49 |  | 106
Year two |  | 124 |  | 124 |  | 160
Year three |  | 146 |  | 146 |  | 83
Year four |  | 72 |  | 72 |  | 68
Year five |  | 56 |  | 56 |  | 85
Prior |  | 1,246 |  | 1,246 |  | 1,443
Total loans, net |  | 1,693 |  | 1,693 |  | 1,945
Gross charge-offs |  |  |  |  |  |
Year three |  |  |  | 1 |  | 1
Year four |  |  |  | 1 |  | 1
Year five |  |  |  | 1 |  | 2
Prior |  |  |  | 10 |  | 13
Total |  |  |  | 13 |  | 17
Education | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 49 |  | 49 |  | 106
Year two |  | 124 |  | 124 |  | 160
Year three |  | 146 |  | 146 |  | 83
Year four |  | 72 |  | 72 |  | 68
Year five |  | 56 |  | 56 |  | 85
Prior |  | 528 |  | 528 |  | 538
Total loans, net |  | 975 |  | 975 |  | 1,040
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 |  | 10 |  | 10 |  | 35
Year two |  | 61 |  | 61 |  | 88
Year three |  | 83 |  | 83 |  | 45
Year four |  | 41 |  | 41 |  | 40
Year five |  | 34 |  | 34 |  | 51
Prior |  | 332 |  | 332 |  | 331
Total loans, net |  | 561 |  | 561 |  | 590
Education | 720 to 779 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 14 |  | 14 |  | 32
Year two |  | 39 |  | 39 |  | 47
Year three |  | 40 |  | 40 |  | 24
Year four |  | 21 |  | 21 |  | 19
Year five |  | 15 |  | 15 |  | 24
Prior |  | 123 |  | 123 |  | 131
Total loans, net |  | 252 |  | 252 |  | 277
Education | 660 to 719 | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 10 |  | 10 |  | 20
Year two |  | 15 |  | 15 |  | 17
Year three |  | 15 |  | 15 |  | 8
Year four |  | 6 |  | 6 |  | 6
Year five |  | 5 |  | 5 |  | 8
Prior |  | 51 |  | 51 |  | 54
Total loans, net |  | 102 |  | 102 |  | 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 |  | 2 |  | 2 |  | 4
Year two |  | 3 |  | 3 |  | 3
Year three |  | 4 |  | 4 |  | 2
Year four |  | 1 |  | 1 |  | 1
Year five |  | 1 |  | 1 |  | 2
Prior |  | 21 |  | 21 |  | 21
Total loans, net |  | 32 |  | 32 |  | 33
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 |  | 13 |  | 13 |  | 15
Year two |  | 6 |  | 6 |  | 5
Year three |  | 4 |  | 4 |  | 4
Year four |  | 3 |  | 3 |  | 2
Year five |  | 1 |  | 1 |  |
Prior |  | 1 |  | 1 |  | 1
Total loans, net |  | 28 |  | 28 |  | 27
Education | Other internal credit metrics |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Prior |  | 718 |  | 718 |  | 905
Total loans, net |  | 718 |  | 718 |  | 905
Other consumer |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 599 |  | 599 |  | 712
Year two |  | 476 |  | 476 |  | 573
Year three |  | 383 |  | 383 |  | 222
Year four |  | 113 |  | 113 |  | 139
Year five |  | 49 |  | 49 |  | 137
Prior |  | 125 |  | 125 |  | 75
Revolving Loans |  | 2,303 |  | 2,303 |  | 2,398
Revolving Loans Converted to Term |  | 15 |  | 15 |  | 15
Total loans, net |  | 4,063 |  | 4,063 |  | 4,271
Gross charge-offs |  |  |  |  |  |
Year one |  |  |  | 55 |  | 75
Year two |  |  |  | 19 |  | 23
Year three |  |  |  | 19 |  | 18
Year four |  |  |  | 11 |  | 14
Year five |  |  |  | 6 |  | 14
Prior |  |  |  | 8 |  | 8
Revolving Loans |  |  |  | 8 |  | 11
Revolving Loans Converted to Term |  |  |  | 1 |  | 1
Total |  |  |  | 127 |  | 164
Other consumer | Using FICO Credit Metric |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 593 |  | 593 |  | 693
Year two |  | 466 |  | 466 |  | 476
Year three |  | 290 |  | 290 |  | 189
Year four |  | 99 |  | 99 |  | 91
Year five |  | 37 |  | 37 |  | 66
Prior |  | 33 |  | 33 |  | 41
Revolving Loans |  | 232 |  | 232 |  | 249
Revolving Loans Converted to Term |  | 4 |  | 4 |  | 5
Total loans, net |  | 1,754 |  | 1,754 |  | 1,810
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 |  | 189 |  | 189 |  | 241
Year two |  | 157 |  | 157 |  | 127
Year three |  | 75 |  | 75 |  | 47
Year four |  | 24 |  | 24 |  | 21
Year five |  | 8 |  | 8 |  | 14
Prior |  | 8 |  | 8 |  | 11
Revolving Loans |  | 37 |  | 37 |  | 39
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 1
Total loans, net |  | 499 |  | 499 |  | 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 |  | 232 |  | 232 |  | 286
Year two |  | 171 |  | 171 |  | 157
Year three |  | 89 |  | 89 |  | 54
Year four |  | 28 |  | 28 |  | 26
Year five |  | 10 |  | 10 |  | 17
Prior |  | 9 |  | 9 |  | 11
Revolving Loans |  | 74 |  | 74 |  | 80
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 1
Total loans, net |  | 614 |  | 614 |  | 632
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 |  | 163 |  | 163 |  | 147
Year two |  | 105 |  | 105 |  | 140
Year three |  | 87 |  | 87 |  | 57
Year four |  | 29 |  | 29 |  | 27
Year five |  | 11 |  | 11 |  | 21
Prior |  | 9 |  | 9 |  | 11
Revolving Loans |  | 80 |  | 80 |  | 87
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 2
Total loans, net |  | 485 |  | 485 |  | 492
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 |  | 9 |  | 9 |  | 19
Year two |  | 33 |  | 33 |  | 52
Year three |  | 39 |  | 39 |  | 31
Year four |  | 18 |  | 18 |  | 17
Year five |  | 8 |  | 8 |  | 14
Prior |  | 7 |  | 7 |  | 8
Revolving Loans |  | 41 |  | 41 |  | 43
Revolving Loans Converted to Term |  | 1 |  | 1 |  | 1
Total loans, net |  | 156 |  | 156 |  | 185
Other consumer | Other internal credit metrics |  |  |  |  |  |
Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract] |  |  |  |  |  |
Year one |  | 6 |  | 6 |  | 19
Year two |  | 10 |  | 10 |  | 97
Year three |  | 93 |  | 93 |  | 33
Year four |  | 14 |  | 14 |  | 48
Year five |  | 12 |  | 12 |  | 71
Prior |  | 92 |  | 92 |  | 34
Revolving Loans |  | 2,071 |  | 2,071 |  | 2,149
Revolving Loans Converted to Term |  | 11 |  | 11 |  | 10
Total loans, net |  | $ 2,309 |  | $ 2,309 |  | $ 2,461
[1] | Our consolidated assets included the following for which we have elected the fair value option: Loans held for sale of $0.7 billion, Loans held for investment of $1.2 billion and Other assets of $0.1 billion at September 30, 2024. Comparable amounts at December 31, 2023 were $0.7 billion, $1.2 billion and $0.1 billion, respectively.

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