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FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables) | 9 Months Ended
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Sep. 30, 2025
Fair Value Disclosures [Abstract] |
Schedule of Estimated Fair Value of Company's Financial Instruments | The following table summarizes the carrying values and fair values of our financial assets and financial liabilities as of the dates presented:
| September 30, 2025 |  | December 31, 2024
| Carrying Amount |  | Fair Value |  | Carrying Amount |  | Fair Value
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 15,585 |  |  | $ | 17,691 |  |  | $ | 16,655 |  |  | $ | 19,011 |
Investment securities | 223 |  |  | 223 |  |  | 217 |  |  | 217 |
Financial liabilities |  |  |  |  |  |  |
Deposits | $ | 13,535 |  |  | $ | 13,551 |  |  | $ | 13,082 |  |  | $ | 13,087 |
Debt issued by consolidated VIEs | 2,682 |  |  | 2,702 |  |  | 4,558 |  |  | 4,572 |
Long-term and other debt | 1,105 |  |  | 1,179 |  |  | 999 |  |  | 1,085 |
Schedule of Assets And Liabilities Carried At Fair Value Measured On Recurring Basis | The following tables summarize our financial instruments measured at fair value on a recurring basis, categorized by the fair value hierarchy described in the preceding paragraphs, as of the dates presented:
| September 30, 2025
| Total |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Investment securities | $ | 223 |  |  | $ | 49 |  |  | $ | 174 |  |  | $ | — |
Total assets measured at fair value | $ | 223 |  |  | $ | 49 |  |  | $ | 174 |  |  | $ | — |
| December 31, 2024
| Total |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Investment securities | $ | 217 |  |  | $ | 47 |  |  | $ | 170 |  |  | $ | — |
Total assets measured at fair value | $ | 217 |  |  | $ | 47 |  |  | $ | 170 |  |  | $ | — |
Schedule of Assets And Liabilities Disclosed But Not Carried At Fair Value | The fair values of financial instruments that are measured at amortized cost are estimates, and require management’s judgment; therefore, these fair value estimates may not be indicative of future fair values, nor can our fair value be estimated by aggregating all of the amounts presented. The following tables summarize our financial assets and financial liabilities that are measured at amortized cost, and not required to be carried at fair value on a recurring basis, as of the dates presented:
| September 30, 2025
| Fair Value |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 17,691 |  |  | $ | — |  |  | $ | — |  |  | $ | 17,691 |
Total | 17,691 |  |  | — |  |  | — |  |  | 17,691 |
Financial liabilities |  |  |  |  |  |  |
Deposits | 13,551 |  |  | — |  |  | 13,551 |  |  | — |
Debt issued by consolidated VIEs | 2,702 |  |  | — |  |  | 2,702 |  |  | — |
Long-term and other debt | 1,179 |  |  | — |  |  | 1,179 |  |  | — |
Total | $ | 17,432 |  |  | $ | — |  |  | $ | 17,432 |  |  | $ | — |
| December 31, 2024
| Fair Value |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 19,011 |  |  | $ | — |  |  | $ | — |  |  | $ | 19,011 |
Total | 19,011 |  |  | — |  |  | — |  |  | 19,011 |
Financial liabilities |  |  |  |  |  |  |
Deposits | 13,087 |  |  | — |  |  | 13,087 |  |  | — |
Debt issued by consolidated VIEs | 4,572 |  |  | — |  |  | 4,572 |  |  | — |
Long-term and other debt | 1,085 |  |  | — |  |  | 1,085 |  |  | — |
Total | $ | 18,744 |  |  | $ | — |  |  | $ | 18,744 |  |  | $ | — |

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- Definition Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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