Customer Accounts Receivable (Details) - USD ($) $ in Thousands	3 Months Ended
	Apr. 30, 2020	Apr. 30, 2019	Feb. 01, 2020	Jan. 31, 2020
Quantitative information about the receivables portfolio managed [Abstract]
Customer accounts receivable (1)	$ 1,499,965			$ 1,602,037
Allowance for no-interest option credit programs	13,208			14,984
Allowance for uncollectible interest	29,305			23,662
Carrying value of customer accounts receivable	1,442,502			1,547,645
Allowance for credit losses	(363,948)			(210,142)
Total customer accounts receivable, net	1,078,554			1,337,503
Short-term portion of customer accounts receivable, net	(548,169)		$ (624,041)	(673,742)
Long-term customer accounts receivable, net	530,385		614,799	663,761
Customer accounts receivable 60 days past due	192,501			193,797
Re-aged customer accounts receivable	465,820			455,704
Restructured customer accounts receivable	224,081			211,857
Increase in allowance for loan losses related to COVID-19	65,500
Past due	441,000			527,000
Amounts included within past due and reaged accounts	123,700			131,400
Accounts Receivable, Restructured Accounts, Past Due	63,200			64,800
Interest receivable	42,500			43,700
Interest receivable outstanding net of allowance for uncollectible interest	13,200			20,000
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	233,803	$ 214,879
Provision	137,289	52,200
Principal charge-offs	(64,852)	(54,532)
Interest charge-offs	(17,614)	(12,491)
Recoveries	5,965	6,471
Allowance at end of period	393,253	206,527
Average total customer portfolio balance	1,557,762	1,558,322
Restructured Accounts [Member]
Quantitative information about the receivables portfolio managed [Abstract]
Deferred fees and origination costs, net	(14,950)			$ (15,746)
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	88,123	67,756
Provision	28,224	16,925
Principal charge-offs	(18,501)	(14,809)
Interest charge-offs	(5,300)	(3,392)
Recoveries	1,977	1,757
Allowance at end of period	98,049	68,237
Average total customer portfolio balance	224,565	190,228
Customer Accounts Receivable [Member]
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	145,680	147,123
Provision	109,065	35,275
Principal charge-offs	(46,351)	(39,723)
Interest charge-offs	(12,314)	(9,099)
Recoveries	3,988	4,714
Allowance at end of period	295,204	138,290
Average total customer portfolio balance	1,333,197	$ 1,368,094
Accounting Standards Update 2016-13 [Member]
Quantitative information about the receivables portfolio managed [Abstract]
Short-term portion of customer accounts receivable, net			49,701
Long-term customer accounts receivable, net			$ (48,962)
Cumulative Effect, Period Of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	98,662
Cumulative Effect, Period Of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Restructured Accounts [Member]
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	3,526
Cumulative Effect, Period Of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Customer Accounts Receivable [Member]
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]
Allowance at beginning of period, prior to adoption of ASC 326	$ 95,136