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CREDIT CARD AND OTHER LOANS - Narrative (Details) $ in Millions | 1 Months Ended | 3 Months Ended | 9 Months Ended |
--- | --- | --- | --- | ---
Aug. 31, 2024 USD ($) | Apr. 30, 2024 USD ($) | Sep. 30, 2025 USD ($) loan | Sep. 30, 2024 USD ($) | Sep. 30, 2025 USD ($) loan | Sep. 30, 2024 USD ($) | Dec. 31, 2024 USD ($) loan
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Re-aged accounts as percentage of total credit card and loan receivables |  |  | 2.90% | 2.90% | 3.20% | 4.30% |
Number of days a loan is contractually past due before resulting in charge-off |  |  |  |  | 30 days |  |
Delinquency rate |  |  | 6.00% |  | 6.00% |  | 5.90%
Actual charge-offs for unpaid interest and fees |  |  | $ 212 | $ 232 | $ 698 | $ 773 |
Net principal loss rate |  |  | 7.40% | 7.80% | 7.80% | 8.30% |
Total credit card and other loans |  |  | $ 17,248 |  | $ 17,248 |  | $ 18,492
Unused credit card lines available to cardholders |  |  | $ 98,000 |  | $ 98,000 |  | $ 103,000
Number of credit card portfolios held for sale | loan |  |  | 0 |  | 0 |  | 0
Proceeds from sale of credit card loan portfolios |  |  |  |  | $ 0 | $ 100 |
Credit card loans |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Maximum period of time temporary programs' concessions remain in place |  |  |  |  | 12 months |  |
Proceeds from sale of credit card loan portfolios |  | $ 102 |  |  |  |  |
Payments to acquire loans receivable | $ 378 |  |  |  |  |  |
Credit card loans | No Score |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Percentage of financing receivable outstanding (less than) |  |  | 0.10% |  | 0.10% |  | 0.10%
Other loans |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Total credit card and other loans |  |  | $ 293 |  | $ 293 |  | $ 298
Other loans | FICO Score, From 660 and Above |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Percentage of total amortized cost basis of revolving loan receivables outstanding |  |  | 0.87 |  | 0.87 |  | 0.84
Other loans | FICO Score Below 660 |  |  |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Line Items] |  |  |  |  |  |  |
Percentage of total amortized cost basis of revolving loan receivables outstanding |  |  | 0.13 |  | 0.13 |  | 0.16

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