Customer Accounts Receivable (Details) - USD ($) $ in Thousands	9 Months Ended
	Oct. 31, 2020	Oct. 31, 2019	Feb. 01, 2020	Jan. 31, 2020
Quantitative information about the receivables portfolio managed [Abstract]
Customer accounts receivable (1)	$ 1,276,100			$ 1,602,037
Allowance for no-interest option credit programs	10,391			14,984
Allowance for uncollectible interest	20,894			23,662
Carrying value of customer accounts receivable	1,230,722			1,547,645
Allowance for credit losses	(296,529)			(210,142)
Total customer accounts receivable, net	934,193			1,337,503
Short-term portion of customer accounts receivable, net	(489,841)		$ (624,042)	(673,742)
Long-term customer accounts receivable, net	444,352		614,799	663,761
Customer accounts receivable 60 days past due	141,441			193,797
Re-aged customer accounts receivable	347,113			455,704
Restructured customer accounts receivable	190,819			211,857
Past due	367,300			527,000
Amounts included within past due and reaged accounts	91,300			131,400
Accounts Receivable, Restructured Accounts, Past Due	52,400			64,800
Interest receivable	32,600			43,700
Interest receivable outstanding net of allowance for uncollectible interest	11,700			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	225,292	178,664
Principal charge-offs	(206,726)	(161,384)
Interest charge-offs	(57,893)	(37,444)
Recoveries	24,285	18,768
Allowance at end of period	317,423	213,483
Average total customer portfolio balance	1,436,227	1,558,261
Restructured Accounts [Member]
Quantitative information about the receivables portfolio managed [Abstract]
Deferred fees and origination costs, net	(14,093)			$ (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	60,595	58,818
Principal charge-offs	(62,678)	(44,686)
Interest charge-offs	(17,553)	(10,368)
Recoveries	7,363	5,197
Allowance at end of period	79,376	76,717
Average total customer portfolio balance	216,433	195,471
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	164,697	119,846
Principal charge-offs	(144,048)	(116,698)
Interest charge-offs	(40,340)	(27,076)
Recoveries	16,922	13,571
Allowance at end of period	238,047	136,766
Average total customer portfolio balance	1,219,794	$ 1,362,790
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