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Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables) | 12 Months Ended
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Dec. 31, 2022
Notes Tables |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
For the Year Ended December 31, 2022 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | (43.4 | ) |  | $ | (1.4 | ) |  | $ | (12.4 | ) |  | $ | (57.2 | )
Cumulative effects from adoption of fair value under the CECL standard |  |  | 43.4 |  |  |  | — |  |  |  | 12.4 |  |  |  | 55.8 |
Cumulative effects from adoption of the CECL standard |  |  | — |  |  |  | (0.2 | ) |  |  | — |  |  |  | (0.2 | )
Provision for credit losses |  |  | — |  |  |  | (1.3 | ) |  |  | — |  |  |  | (1.3 | )
Charge-offs |  |  | — |  |  |  | 2.6 |  |  |  | — |  |  |  | 2.6 |
Recoveries |  |  | — |  |  |  | (1.3 | ) |  |  | — |  |  |  | (1.3 | )
Balance at end of period |  | $ | — |  |  | $ | (1.6 | ) |  | $ | — |  |  | $ | (1.6 | )
As of December 31, 2022 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at end of period individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Balance at end of period collectively evaluated for impairment |  | $ | — |  |  | $ | (1.6 | ) |  | $ | — |  |  | $ | (1.6 | )
Loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans, interest and fees receivable, gross |  | $ | — |  |  | $ | 105.3 |  |  | $ | — |  |  | $ | 105.3 |
Loans, interest and fees receivable individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Loans, interest and fees receivable collectively evaluated for impairment |  | $ | — |  |  | $ | 105.3 |  |  | $ | — |  |  | $ | 105.3 |
For the Year Ended December 31, 2021 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | (88.2 | ) |  | $ | (1.7 | ) |  | $ | (35.1 | ) |  | $ | (125.0 | )
Provision for credit losses |  |  | (34.9 | ) |  |  | (0.2 | ) |  |  | (1.4 | ) |  |  | (36.5 | )
Charge-offs |  |  | 88.6 |  |  |  | 1.5 |  |  |  | 31.1 |  |  |  | 121.2 |
Recoveries |  |  | (8.9 | ) |  |  | (1.0 | ) |  |  | (7.0 | ) |  |  | (16.9 | )
Balance at end of period |  | $ | (43.4 | ) |  | $ | (1.4 | ) |  | $ | (12.4 | ) |  | $ | (57.2 | )
As of December 31, 2021 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at end of period individually evaluated for impairment |  | $ | — |  |  | $ | (0.1 | ) |  | $ | — |  |  | $ | (0.1 | )
Balance at end of period collectively evaluated for impairment |  | $ | (43.4 | ) |  | $ | (1.3 | ) |  | $ | (12.4 | ) |  | $ | (57.1 | )
Loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans, interest and fees receivable, gross |  | $ | 259.5 |  |  | $ | 94.6 |  |  | $ | 116.2 |  |  | $ | 470.3 |
Loans, interest and fees receivable individually evaluated for impairment |  | $ | — |  |  | $ | 0.4 |  |  | $ | — |  |  | $ | 0.4 |
Loans, interest and fees receivable collectively evaluated for impairment |  | $ | 259.5 |  |  | $ | 94.2 |  |  | $ | 116.2 |  |  | $ | 469.9 |
For the Year Ended December 31, 2020 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | (121.3 | ) |  | $ | (1.6 | ) |  | $ | (63.4 | ) |  | $ | (186.3 | )
Provision for credit losses |  |  | (112.1 | ) |  |  | (2.0 | ) |  |  | (28.6 | ) |  |  | (142.7 | )
Charge-offs |  |  | 155.1 |  |  |  | 3.0 |  |  |  | 72.1 |  |  |  | 230.2 |
Recoveries |  |  | (9.9 | ) |  |  | (1.1 | ) |  |  | (15.2 | ) |  |  | (26.2 | )
Balance at end of period |  | $ | (88.2 | ) |  | $ | (1.7 | ) |  | $ | (35.1 | ) |  | $ | (125.0 | )
As of December 31, 2020 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
Allowance for uncollectible loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at end of period individually evaluated for impairment |  | $ | — |  |  | $ | (0.3 | ) |  | $ | — |  |  | $ | (0.3 | )
Balance at end of period collectively evaluated for impairment |  | $ | (88.2 | ) |  | $ | (1.4 | ) |  | $ | (35.1 | ) |  | $ | (124.7 | )
Loans, interest and fees receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans, interest and fees receivable, gross |  | $ | 364.2 |  |  | $ | 93.2 |  |  | $ | 210.2 |  |  | $ | 667.6 |
Loans, interest and fees receivable individually evaluated for impairment |  | $ | — |  |  | $ | 2.3 |  |  | $ | — |  |  | $ | 2.3 |
Loans, interest and fees receivable collectively evaluated for impairment |  | $ | 364.2 |  |  | $ | 90.9 |  |  | $ | 210.2 |  |  | $ | 665.3 |
Financing Receivable, Past Due [Table Text Block] |
As of December 31, 2022 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
30-59 days past due |  | $ | — |  |  | $ | 8.5 |  |  | $ | — |  |  | $ | 8.5 |
60-89 days past due |  |  | — |  |  |  | 3.0 |  |  |  | — |  |  |  | 3.0 |
90 or more days past due |  |  | — |  |  |  | 2.1 |  |  |  | — |  |  |  | 2.1 |
Delinquent loans, interest and fees receivable, gross |  |  | — |  |  |  | 13.6 |  |  |  | — |  |  |  | 13.6 |
Current loans, interest and fees receivable, gross |  |  | — |  |  |  | 91.7 |  |  |  | — |  |  |  | 91.7 |
Total loans, interest and fees receivable, gross |  | $ | — |  |  | $ | 105.3 |  |  | $ | — |  |  | $ | 105.3 |
Balance of loans greater than 90-days delinquent still accruing interest and fees |  | $ | — |  |  | $ | 1.7 |  |  | $ | — |  |  | $ | 1.7 |
As of December 31, 2021 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
30-59 days past due |  | $ | 7.3 |  |  | $ | 7.0 |  |  | $ | 3.3 |  |  | $ | 17.6 |
60-89 days past due |  |  | 6.9 |  |  |  | 2.5 |  |  |  | 2.6 |  |  |  | 12.0 |
90 or more days past due |  |  | 17.9 |  |  |  | 1.8 |  |  |  | 6.8 |  |  |  | 26.5 |
Delinquent loans, interest and fees receivable, gross |  |  | 32.1 |  |  |  | 11.3 |  |  |  | 12.7 |  |  |  | 56.1 |
Current loans, interest and fees receivable, gross |  |  | 227.4 |  |  |  | 83.3 |  |  |  | 103.5 |  |  |  | 414.2 |
Total loans, interest and fees receivable, gross |  | $ | 259.5 |  |  | $ | 94.6 |  |  | $ | 116.2 |  |  | $ | 470.3 |
Balance of loans greater than 90-days delinquent still accruing interest and fees |  | $ | — |  |  | $ | 1.5 |  |  | $ | — |  |  | $ | 1.5 |
As of December 31, 2020 |  | Credit Cards |  |  | Auto Finance |  |  | Other Unsecured Lending Products |  |  | Total |
30-59 days past due |  | $ | 12.4 |  |  | $ | 7.6 |  |  | $ | 5.1 |  |  | $ | 25.1 |
60-89 days past due |  |  | 8.0 |  |  |  | 2.8 |  |  |  | 3.8 |  |  |  | 14.6 |
90 or more days past due |  | 19.9 |  |  |  | 2.1 |  |  |  | 9.5 |  |  |  | 31.5 |
Delinquent loans, interest and fees receivable, gross |  |  | 40.3 |  |  |  | 12.5 |  |  |  | 18.4 |  |  |  | 71.2 |
Current loans, interest and fees receivable, gross |  |  | 323.9 |  |  |  | 80.7 |  |  |  | 191.8 |  |  |  | 596.4 |
Total loans, interest and fees receivable, gross |  | $ | 364.2 |  |  | $ | 93.2 |  |  | $ | 210.2 |  |  | $ | 667.6 |
Balance of loans greater than 90-days delinquent still accruing interest and fees |  | $ | — |  |  | $ | 1.5 |  |  | $ | — |  |  | $ | 1.5 |
Financing Receivable, Modified [Table Text Block] |
|  | As of |
|  | December 31, 2022 |  |  | December 31, 2021 |  |  | December 31, 2020 |
|  | Private label credit |  |  | General purpose credit card |  |  | Private label credit |  |  | General purpose credit card |  |  | Private label credit |  |  | General purpose credit card |
Number of TDRs |  |  | 24,594 |  |  |  | 171,729 |  |  |  | 14,919 |  |  |  | 39,322 |  |  |  | 12,394 |  |  |  | 37,784 |
Number of TDRs that have been re-aged |  |  | 2,499 |  |  |  | 28,598 |  |  |  | 812 |  |  |  | 2,035 |  |  |  | 2,788 |  |  |  | 7,846 |
Amount of TDRs on non-accrual status (in thousands) |  | $ | 31,350 |  |  | $ | 119,785 |  |  | $ | 17,152 |  |  | $ | 25,154 |  |  | $ | 14,537 |  |  | $ | 26,989 |
Amount of TDRs on non-accrual status above that have been re-aged (in thousands) |  | $ | 4,606 |  |  | $ | 24,440 |  |  | $ | 1,205 |  |  | $ | 1,553 |  |  | $ | 4,662 |  |  | $ | 6,890 |
Carrying value of TDRs (in thousands) |  | $ | 18,827 |  |  | $ | 70,519 |  |  | $ | 11,173 |  |  | $ | 15,502 |  |  | $ | 9,583 |  |  | $ | 14,287 |
TDRs - Performing (carrying value, in thousands)* |  | $ | 15,001 |  |  | $ | 59,735 |  |  | $ | 8,797 |  |  | $ | 13,387 |  |  | $ | 7,420 |  |  | $ | 11,855 |
TDRs - Nonperforming (carrying value, in thousands)* |  | $ | 3,826 |  |  | $ | 10,784 |  |  | $ | 2,376 |  |  | $ | 2,115 |  |  | $ | 2,163 |  |  | $ | 2,432 |
|  | Twelve Months Ended |
|  | December 31, 2022 |  |  | December 31, 2021 |  |  | December 31, 2020 |
|  | Private label credit |  |  | General purpose credit card |  |  | Private label credit |  |  | General purpose credit card |  |  | Private label credit |  |  | General purpose credit card |
Number of accounts |  |  | 7,049 |  |  |  | 28,714 |  |  |  | 3,119 |  |  |  | 7,765 |  |  |  | 3,065 |  |  |  | 7,665 |
Loan balance at time of charge off (in thousands) |  | $ | 11,302 |  |  | $ | 22,679 |  |  | $ | 4,642 |  |  | $ | 6,455 |  |  | $ | 4,352 |  |  | $ | 6,745 |
Disaggregation of Revenue [Table Text Block] |
For the Year Ended December 31, 2022 |  | CaaS |  |  | Auto Finance |  |  | Total |
Interchange revenues, net (1) |  | $ | 24,926 |  |  | $ | — |  |  | $ | 24,926 |
Servicing income |  |  | 3,259 |  |  |  | 888 |  |  |  | 4,147 |
Service charges and other customer related fees |  |  | 13,658 |  |  |  | 67 |  |  |  | 13,725 |
Total revenue from contracts with customers |  | $ | 41,843 |  |  | $ | 955 |  |  | $ | 42,798 |
For the Year Ended December 31, 2021 |  | CaaS |  |  | Auto Finance |  |  | Total |
Interchange revenues, net (1) |  | $ | 18,134 |  |  | $ | — |  |  | $ | 18,134 |
Servicing income |  |  | 1,871 |  |  |  | 1,224 |  |  |  | 3,095 |
Service charges and other customer related fees |  |  | 9,317 |  |  |  | 60 |  |  |  | 9,377 |
Total revenue from contracts with customers |  | $ | 29,322 |  |  | $ | 1,284 |  |  | $ | 30,606 |
For the Year Ended December 31, 2020 |  | CaaS |  |  | Auto Finance |  |  | Total |
Interchange revenues, net (1) |  | $ | 9,500 |  |  | $ | — |  |  | $ | 9,500 |
Servicing income |  |  | 1,187 |  |  |  | 994 |  |  |  | 2,181 |
Service charges and other customer related fees |  |  | 3,685 |  |  |  | 65 |  |  |  | 3,750 |
Total revenue from contracts with customers |  | $ | 14,372 |  |  | $ | 1,059 |  |  | $ | 15,431 |

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