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ALLOWANCE FOR CREDIT LOSSES (Details) - USD ($)
$ in Millions
3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Dec. 31, 2021
Allowance for Loan Loss          
Payments allocated to future purchase activity $ 0   $ 0    
Balance at beginning of period 1,826 $ 1,843 1,832 $ 2,008  
Provision for credit losses 404 (14) 598 19  
Net principal losses (238) (194) (438) (392)  
Balance at end of period 1,992 1,635 1,992 1,635  
Recoveries 36 $ 41 79 $ 92  
Unbilled Finance Charges 243   243   $ 224
Installment (other) loans          
Allowance for Loan Loss          
Balance at beginning of period     14    
Balance at end of period $ 17   $ 17