DEPOSITS (Tables)

6 Months Ended

Jun. 30, 2022

DEPOSITS.

Schedule of Customer Deposits Based on Interest

	June 30,		December 31,
	2022		2021
(Millions)
Interest-bearing	$	10,999	$	11,027
Non-interest-bearing (including cardholder credit balances)		29		—
Total deposits	$	11,028	$	11,027

Schedule of Customer Deposits by Deposit Type

	June 30,		December 31,
	2022		2021
(Millions)
Savings accounts
Direct-to-consumer (retail)	$	2,684	$	1,713
Wholesale		3,676		3,873
Certificates of deposit
Direct-to-consumer (retail)		1,507		1,467
Wholesale		3,132		3,974
Cardholder credit balances		29		—
Total deposits	$	11,028	$	11,027

Schedule of Maturities of Certificates of Deposit

The scheduled maturities of certificates of deposit as of June 30, 2022 were as follows:

(Millions)
2022(1)	$	1,334
2023		2,009
2024		854
2025		233
2026		111
Thereafter		98
Total certificates of deposit		4,639

(1) The 2022 balance includes $7 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.