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ALLOWANCE FOR CREDIT LOSSES - Rollforward (Details) - USD ($) $ in Millions | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning balance | $ 2,098 | $ 2,164 | $ 2,241 | $ 2,328
Provision for credit losses | 299 | 369 | 869 | 980
Change in the estimate for uncollectible unpaid interest and fees | 0 | 5 | 0 | 5
Net principal losses | (327) | (348) | (1,040) | (1,123)
Ending balance | 2,070 | 2,190 | 2,070 | 2,190
Recovery | $ 82 | $ 85 | $ 267 | $ 286

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- Definition The effect of a change in estimate for uncollectible unpaid interest and fees for calculating the allowance for credit losses on the current period provision. + References No definition available. + Details
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