Customer Accounts Receivable (Details) - USD ($) $ in Thousands	6 Months Ended
	Jul. 31, 2020	Jul. 31, 2019	Feb. 01, 2020	Jan. 31, 2020
Quantitative information about the receivables portfolio managed [Abstract]
Customer accounts receivable (1)	$ 1,357,030			$ 1,602,037
Allowance for no-interest option credit programs	11,596			14,984
Allowance for uncollectible interest	19,976			23,662
Carrying value of customer accounts receivable	1,310,900			1,547,645
Allowance for credit losses	(316,740)			(210,142)
Total customer accounts receivable, net	994,160			1,337,503
Short-term portion of customer accounts receivable, net	(514,528)		$ (624,042)	(673,742)
Long-term customer accounts receivable, net	479,632		614,799	663,761
Customer accounts receivable 60 days past due	131,696			193,797
Re-aged customer accounts receivable	392,610			455,704
Restructured customer accounts receivable	201,561			211,857
Past due	366,900			527,000
Amounts included within past due and reaged accounts	79,800			131,400
Accounts Receivable, Restructured Accounts, Past Due	38,300			64,800
Interest receivable	35,900			43,700
Interest receivable outstanding net of allowance for uncollectible interest	16,000			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	180,936	116,129
Principal charge-offs	(149,047)	(110,597)
Interest charge-offs	(42,680)	(25,442)
Recoveries	15,042	12,532
Allowance at end of period	336,716	207,501
Average total customer portfolio balance	1,493,250	1,552,855
Restructured Accounts [Member]
Quantitative information about the receivables portfolio managed [Abstract]
Deferred fees and origination costs, net	(14,558)			$ (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	42,541	37,067
Principal charge-offs	(47,301)	(30,267)
Interest charge-offs	(13,545)	(6,963)
Recoveries	4,773	3,430
Allowance at end of period	78,117	71,023
Average total customer portfolio balance	222,025	192,212
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	138,395	79,062
Principal charge-offs	(101,746)	(80,330)
Interest charge-offs	(29,135)	(18,479)
Recoveries	10,269	9,102
Allowance at end of period	258,599	136,478
Average total customer portfolio balance	1,271,225	$ 1,360,643
98662000
Quantitative information about the receivables portfolio managed [Abstract]
Short-term portion of customer accounts receivable, net			49,700
Long-term customer accounts receivable, net			$ (48,962)
Cumulative Effect, Period Of Adoption, Adjustment [Member] | 98662000
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] | 98662000 | 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] | 98662000 | 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