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FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)

6 Months Ended

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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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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-Topic 825
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-Name Accounting Standards Codification
-Section 55
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-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
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-Publisher FASB
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