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Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)

12 Months Ended

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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