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FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables) | 6 Months Ended
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Jun. 30, 2026
Fair Value Disclosures [Abstract] |
Schedule of Carrying Values and Fair Values of Financial Instruments | The following table summarizes the carrying values and fair values of our financial assets and financial liabilities as of the dates presented:
| June 30, 2026 |  | December 31, 2025
| Carrying Amount |  | Fair Value |  | Carrying Amount |  | Fair Value
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 16,402 |  |  | $ | 18,267 |  |  | $ | 16,699 |  |  | $ | 18,747 |
Investment securities | 218 |  |  | 218 |  |  | 221 |  |  | 221 |
Financial liabilities |  |  |  |  |  |  |
Deposits | 14,732 |  |  | 14,724 |  |  | 13,916 |  |  | 13,928 |
Debt issued by consolidated VIEs | 2,447 |  |  | 2,454 |  |  | 3,422 |  |  | 3,442 |
Long-term and other debt | $ | 838 |  |  | $ | 876 |  |  | $ | 886 |  |  | $ | 931 |
Schedule of Financial Instruments Measured at Fair Value on a 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:
| June 30, 2026
| Total |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Investment securities | $ | 218 |  |  | $ | 50 |  |  | $ | 168 |  |  | $ | — |
Total assets measured at fair value | $ | 218 |  |  | $ | 50 |  |  | $ | 168 |  |  | $ | — |
| December 31, 2025
| Total |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Investment securities | $ | 221 |  |  | $ | 50 |  |  | $ | 171 |  |  | $ | — |
Total assets measured at fair value | $ | 221 |  |  | $ | 50 |  |  | $ | 171 |  |  | $ | — |
Schedule of Financial Instruments 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:
| June 30, 2026
| Fair Value |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 18,267 |  |  | $ | — |  |  | $ | — |  |  | $ | 18,267 |
Total | $ | 18,267 |  |  | $ | — |  |  | $ | — |  |  | $ | 18,267 |
Financial liabilities |  |  |  |  |  |  |
Deposits | $ | 14,724 |  |  | $ | — |  |  | $ | 14,724 |  |  | $ | — |
Debt issued by consolidated VIEs | 2,454 |  |  | — |  |  | 2,454 |  |  | — |
Long-term and other debt | 876 |  |  | — |  |  | 876 |  |  | — |
Total | $ | 18,054 |  |  | $ | — |  |  | $ | 18,054 |  |  | $ | — |
| December 31, 2025
| Fair Value |  | Level 1 |  | Level 2 |  | Level 3
(Millions) |  |  |  |  |  |  |
Financial assets |  |  |  |  |  |  |
Credit card and other loans, net | $ | 18,747 |  |  | $ | — |  |  | $ | — |  |  | $ | 18,747 |
Total | $ | 18,747 |  |  | $ | — |  |  | $ | — |  |  | $ | 18,747 |
Financial liabilities |  |  |  |  |  |  |
Deposits | $ | 13,928 |  |  | $ | — |  |  | $ | 13,928 |  |  | $ | — |
Debt issued by consolidated VIEs | 3,442 |  |  | — |  |  | 3,442 |  |  | — |
Long-term and other debt | 931 |  |  | — |  |  | 931 |  |  | — |
Total | $ | 18,301 |  |  | $ | — |  |  | $ | 18,301 |  |  | $ | — |

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- Definition Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482881/825-10-55-10 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 12 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482881/825-10-55-12 Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-13 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-12 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 825 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482907/825-10-50-11 + Details
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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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