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FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)

9 Months Ended

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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Tabular disclosure of the assets and liabilities disclosed but not carried at fair value.

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Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.

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Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Name Accounting Standards Codification
-Section 55
-Paragraph 10
-SubTopic 10
-Topic 825
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482881/825-10-55-10

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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

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