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DEPOSITS - Deposits by Type (Details) - USD ($)
$ in Millions
Jun. 30, 2025
Dec. 31, 2024
Deposit Liability [Line Items]    
Certificates of deposit $ 5,828  
Cardholder credit balances 28 $ 27
Total deposits 13,340 13,082
Direct-to-consumer (retail)    
Deposit Liability [Line Items]    
Savings accounts 3,936 3,226
Certificates of deposit 4,144 4,461
Wholesale    
Deposit Liability [Line Items]    
Savings accounts 3,548 3,601
Certificates of deposit 1,684 1,767
Cardholder credit balances    
Deposit Liability [Line Items]    
Cardholder credit balances $ 28 $ 27