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DEPOSITS - Interest and Non-Interest Bearing (Details) - USD ($)
$ in Millions
Jun. 30, 2025
Dec. 31, 2024
Other Liabilities Disclosure [Abstract]    
Interest-bearing $ 13,312 $ 13,055
Non-interest-bearing (including cardholder credit balances) 28 27
Total deposits $ 13,340 $ 13,082