0001393612-23-000054.txt : 20231114 0001393612-23-000054.hdr.sgml : 20231114 20231114164309 ACCESSION NUMBER: 0001393612-23-000054 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20231114 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20231114 DATE AS OF CHANGE: 20231114 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Discover Financial Services CENTRAL INDEX KEY: 0001393612 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 362517428 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-33378 FILM NUMBER: 231407335 BUSINESS ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 BUSINESS PHONE: 224-405-0900 MAIL ADDRESS: STREET 1: 2500 LAKE COOK ROAD CITY: RIVERWOODS STATE: IL ZIP: 60015 8-K 1 dfs-20231114.htm 8-K dfs-20231114
0001393612false00013936122023-11-142023-11-14

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
Form 8-K
 
Current Report
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): November 14, 2023
 
DISCOVER FINANCIAL SERVICES
(Exact name of registrant as specified in its charter)
 
Commission File Number: 001-33378
 
Delaware 36-2517428
(State or other jurisdiction
of incorporation) 		 (IRS Employer
Identification No.)
2500 Lake Cook Road, Riverwoods, Illinois 60015
(Address of principal executive offices, including zip code)
(224) 405-0900
(Registrant's telephone number, including area code)
N/A
(Former name or former address, if changed since last report)
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act
Title of each classTrading symbol(s)Name of each exchange on which registered
Common Stock, par value $0.01 per shareDFSNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐




Item 7.01 Regulation FD Disclosure.

Discover Financial Services (the "Company") hereby furnishes the information in Exhibit 99.1 hereto, Monthly Credit Card Charge-off and Delinquency Statistics as of and for each of the twenty-four months ended October 31, 2023.

_______________________


The information contained in this Item 7.01 of this Current Report on Form 8-K, including the exhibits, is furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly stated by specific reference in such filing.

_______________________



Item 9.01 Financial Statements and Exhibits.


(d) Exhibits  
Exhibit No. Description
 Monthly Credit Card Charge-off and Delinquency Statistics as of and for each of the twenty-four months ended October 31, 2023.
104Cover Page Interactive Data File — the cover page from this Current Report on Form 8-K, formatted as Inline XBRL (included as Exhibit 101).





SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
   
 DISCOVER FINANCIAL SERVICES
    
Dated: November 14, 2023By:/s/ Efie Vainikos
  Name: Efie Vainikos
  Title: Assistant Secretary


 EX-99.1 2 exhibit99110-31x23.htm EX-99.1 Document

Exhibit 99.1

Discover Financial Services
Monthly Credit Card Charge-off and Delinquency Statistics
As of and for each of the twenty-four months ended
(dollars in billions)


Oct 31, 2023Sep 30, 2023Aug 31, 2023Jul 31, 2023Jun 30, 2023May 31, 2023Apr 30, 2023Mar 31, 2023Feb 28, 2023Jan 31, 2023Dec 31, 2022Nov 30, 2022
Ending Loans$98.7 $97.4 $96.9 $95.6 $94.0 $92.9 $91.3 $89.8 $89.6 $90.0 $90.1 $87.9 
Average Loans$97.9 $97.0 $96.0 $94.5 $93.3 $91.7 $90.5 $89.2 $89.5 $89.7 $89.1 $85.9 
Net Principal Charge-off Rate(1)
4.42 %4.15 %4.16 %3.77 %3.80 %3.67 %3.56 %3.13 %3.40 %2.81 %2.54 %2.46 %
Delinquency Rate (30 or more days)(2)
3.61 %3.41 %3.15 %3.00 %2.86 %2.77 %2.75 %2.76 %2.74 %2.67 %2.53 %2.36 %
Oct 31, 2022Sep 30, 2022Aug 31, 2022Jul 31, 2022Jun 30, 2022May 31, 2022Apr 30, 2022Mar 31, 2022Feb 28, 2022Jan 31, 2022Dec 31, 2021Nov 30, 2021
Ending Loans$85.4 $83.6 $82.9 $81.0 $79.2 $77.2 $75.0 $73.8 $73.1 $73.4 $74.4 $73.2 
Average Loans$84.2 $83.0 $81.6 $79.7 $77.9 $75.7 $74.2 $72.9 $72.9 $73.4 $73.8 $71.5 
Net Principal Charge-off Rate(1)
2.10 %2.01 %1.86 %1.90 %1.99 %2.03 %2.02 %1.75 %2.02 %1.76 %1.58 %1.53 %
Delinquency Rate (30 or more days)(2)
2.23 %2.11 %1.96 %1.84 %1.76 %1.71 %1.73 %1.77 %1.79 %1.75 %1.66 %1.60 %
(1) Represents net principal charge-off dollars (annualized) divided by average loans for the reporting period.
(2) Represents loans delinquent 30 or more days divided by ending loans.
The statistics presented above provide information regarding Discover Financial Services' total credit card portfolio. The data presented differs from the data reported by the Discover Card Master Trust I and, through the collateral certificate, the Discover Card Execution Note Trust (collectively, the “Trusts”), Discover Funding LLC and Discover Bank in their monthly Form 10-D reports filed with the Securities and Exchange Commission which reflects only credit card loans that have been securitized through the Trusts. The credit card loans that have been securitized through the Trusts do not possess identical characteristics with those of the total portfolio of Discover credit card loans, which reflects the aggregate of securitized and non-securitized credit card loans. Thus, the reported credit performance of the Trusts may, on a month-to-month basis, be better or worse than the credit performance of the total credit card portfolio. Reported differences may arise as a result of, among other things, differences in the mix and vintage of loans between the Trusts and the total portfolio, the use of beginning of month principal receivables balances to calculate charge-off statistics in the Trusts compared to the use of average loan balances over the reporting period used in the total portfolio statistics, and the calculation of the Trusts' net charge-off rate annualized on a 30/360 day count basis, as compared to an actual/actual day count basis for the total portfolio.

 EX-101.SCH 3 dfs-20231114.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 0000001 - Document - Document and Entity Information Document link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 4 dfs-20231114_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Security exchange name Security Exchange Name Title of 12(b) security Title of 12(b) Security Written communications Written Communications Local phone number Local Phone Number Trading symbol Trading Symbol Entity incorporation, state or country code Entity Incorporation, State or Country Code Entity address, state or province Entity Address, State or Province Pre-commencement issuer tender offer Pre-commencement Issuer Tender Offer Document period end date Document Period End Date Cover [Abstract] Entity emerging growth company Entity Emerging Growth Company Pre-commencement tender offer Pre-commencement Tender Offer Soliciting material Soliciting Material City area code City Area Code Entity address, postal zip code Entity Address, Postal Zip Code Document type Document Type Amendment flag Amendment Flag Entity central index key Entity Central Index Key Entity file number Entity File Number Entity address, city or town Entity Address, City or Town Entity tax identification number Entity Tax Identification Number Entity address, address line one Entity Address, Address Line One Entity registrant name Entity Registrant Name EX-101.PRE 5 dfs-20231114_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT XML 6 R1.htm IDEA: XBRL DOCUMENT v3.23.3
Document and Entity Information Document
Nov. 14, 2023
Cover [Abstract]  
Document type 8-K
Document period end date Nov. 14, 2023
Entity registrant name DISCOVER FINANCIAL SERVICES
Entity file number 001-33378
Entity incorporation, state or country code DE
Entity tax identification number 36-2517428
Entity address, address line one 2500 Lake Cook Road
Entity address, city or town Riverwoods
Entity address, state or province IL
Entity address, postal zip code 60015
City area code 224
Local phone number 405-0900
Written communications false
Soliciting material false
Pre-commencement tender offer false
Pre-commencement issuer tender offer false
Title of 12(b) security Common Stock, par value $0.01 per share
Trading symbol DFS
Security exchange name NYSE
Entity emerging growth company false
Entity central index key 0001393612
Amendment flag false
XML 7 dfs-20231114_htm.xml IDEA: XBRL DOCUMENT 0001393612 2023-11-14 2023-11-14 0001393612 false 8-K 2023-11-14 DISCOVER FINANCIAL SERVICES 001-33378 DE 36-2517428 2500 Lake Cook Road Riverwoods IL 60015 224 405-0900 false false false false Common Stock, par value $0.01 per share DFS NYSE false EXCEL 8 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 9 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 10 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 11 FilingSummary.xml IDEA: XBRL DOCUMENT 3.23.3 html 1 22 1 false 0 0 false 0 false false R1.htm 0000001 - Document - Document and Entity Information Document Sheet http://www.discovercard.com/role/DocumentandEntityInformationDocument Document and Entity Information Document Cover 1 false false All Reports Book All Reports dfs-20231114.htm dfs-20231114.xsd dfs-20231114_lab.xml dfs-20231114_pre.xml http://xbrl.sec.gov/dei/2023 true false JSON 13 MetaLinks.json IDEA: XBRL DOCUMENT { "version": "2.2", "instance": { "dfs-20231114.htm": { "nsprefix": "dfs", "nsuri": "http://www.discovercard.com/20231114", "dts": { "inline": { "local": [ "dfs-20231114.htm" ] }, "schema": { "local": [ "dfs-20231114.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd", "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd", "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd", "https://xbrl.sec.gov/dei/2023/dei-2023.xsd" ] }, "labelLink": { "local": [ "dfs-20231114_lab.xml" ] }, "presentationLink": { "local": [ "dfs-20231114_pre.xml" ] } }, "keyStandard": 22, "keyCustom": 0, "axisStandard": 0, "axisCustom": 0, "memberStandard": 0, "memberCustom": 0, "hidden": { "total": 2, "http://xbrl.sec.gov/dei/2023": 2 }, "contextCount": 1, "entityCount": 1, "segmentCount": 0, "elementCount": 23, "unitCount": 0, "baseTaxonomies": { "http://xbrl.sec.gov/dei/2023": 22 }, "report": { "R1": { "role": "http://www.discovercard.com/role/DocumentandEntityInformationDocument", "longName": "0000001 - Document - Document and Entity Information Document", "shortName": "Document and Entity Information Document", "isDefault": "true", "groupType": "document", "subGroupType": "", "menuCat": "Cover", "order": "1", "firstAnchor": { "contextRef": "c-1", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "div", "body", "html" ], "reportCount": 1, "baseRef": "dfs-20231114.htm", "first": true, "unique": true }, "uniqueAnchor": { "contextRef": "c-1", "name": "dei:DocumentType", "unitRef": null, "xsiNil": "false", "lang": "en-US", "decimals": null, "ancestors": [ "span", "div", "body", "html" ], "reportCount": 1, "baseRef": "dfs-20231114.htm", "first": true, "unique": true } } }, "tag": { "dei_PreCommencementIssuerTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementIssuerTenderOffer", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Pre-commencement issuer tender offer", "label": "Pre-commencement Issuer Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act." } } }, "auth_ref": [ "r3" ] }, "dei_Security12bTitle": { "xbrltype": "securityTitleItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "Security12bTitle", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Title of 12(b) security", "label": "Title of 12(b) Security", "documentation": "Title of a 12(b) registered security." } } }, "auth_ref": [ "r0" ] }, "dei_EntityTaxIdentificationNumber": { "xbrltype": "employerIdItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityTaxIdentificationNumber", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity tax identification number", "label": "Entity Tax Identification Number", "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS." } } }, "auth_ref": [ "r1" ] }, "dei_DocumentType": { "xbrltype": "submissionTypeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentType", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Document type", "label": "Document Type", "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'." } } }, "auth_ref": [] }, "dei_EntityAddressCityOrTown": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressCityOrTown", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity address, city or town", "label": "Entity Address, City or Town", "documentation": "Name of the City or Town" } } }, "auth_ref": [] }, "dei_AmendmentFlag": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "AmendmentFlag", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Amendment flag", "label": "Amendment Flag", "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission." } } }, "auth_ref": [] }, "dei_CoverAbstract": { "xbrltype": "stringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "CoverAbstract", "lang": { "en-us": { "role": { "label": "Cover [Abstract]", "documentation": "Cover page." } } }, "auth_ref": [] }, "dei_WrittenCommunications": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "WrittenCommunications", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Written communications", "label": "Written Communications", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act." } } }, "auth_ref": [ "r6" ] }, "dei_EntityEmergingGrowthCompany": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityEmergingGrowthCompany", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity emerging growth company", "label": "Entity Emerging Growth Company", "documentation": "Indicate if registrant meets the emerging growth company criteria." } } }, "auth_ref": [ "r1" ] }, "dei_EntityFileNumber": { "xbrltype": "fileNumberItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityFileNumber", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity file number", "label": "Entity File Number", "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen." } } }, "auth_ref": [] }, "dei_CityAreaCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "CityAreaCode", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "City area code", "label": "City Area Code", "documentation": "Area code of city" } } }, "auth_ref": [] }, "dei_EntityCentralIndexKey": { "xbrltype": "centralIndexKeyItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityCentralIndexKey", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity central index key", "label": "Entity Central Index Key", "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK." } } }, "auth_ref": [ "r1" ] }, "dei_SecurityExchangeName": { "xbrltype": "edgarExchangeCodeItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SecurityExchangeName", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Security exchange name", "label": "Security Exchange Name", "documentation": "Name of the Exchange on which a security is registered." } } }, "auth_ref": [ "r2" ] }, "dei_EntityRegistrantName": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityRegistrantName", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity registrant name", "label": "Entity Registrant Name", "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC." } } }, "auth_ref": [ "r1" ] }, "dei_EntityIncorporationStateCountryCode": { "xbrltype": "edgarStateCountryItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityIncorporationStateCountryCode", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity incorporation, state or country code", "label": "Entity Incorporation, State or Country Code", "documentation": "Two-character EDGAR code representing the state or country of incorporation." } } }, "auth_ref": [] }, "dei_DocumentPeriodEndDate": { "xbrltype": "dateItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "DocumentPeriodEndDate", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Document period end date", "label": "Document Period End Date", "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD." } } }, "auth_ref": [] }, "dei_EntityAddressPostalZipCode": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressPostalZipCode", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity address, postal zip code", "label": "Entity Address, Postal Zip Code", "documentation": "Code for the postal or zip code" } } }, "auth_ref": [] }, "dei_EntityAddressAddressLine1": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressAddressLine1", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity address, address line one", "label": "Entity Address, Address Line One", "documentation": "Address Line 1 such as Attn, Building Name, Street Name" } } }, "auth_ref": [] }, "dei_LocalPhoneNumber": { "xbrltype": "normalizedStringItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "LocalPhoneNumber", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Local phone number", "label": "Local Phone Number", "documentation": "Local phone number for entity." } } }, "auth_ref": [] }, "dei_SolicitingMaterial": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "SolicitingMaterial", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Soliciting material", "label": "Soliciting Material", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act." } } }, "auth_ref": [ "r5" ] }, "dei_PreCommencementTenderOffer": { "xbrltype": "booleanItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "PreCommencementTenderOffer", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Pre-commencement tender offer", "label": "Pre-commencement Tender Offer", "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act." } } }, "auth_ref": [ "r4" ] }, "dei_EntityAddressStateOrProvince": { "xbrltype": "stateOrProvinceItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "EntityAddressStateOrProvince", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Entity address, state or province", "label": "Entity Address, State or Province", "documentation": "Name of the state or province." } } }, "auth_ref": [] }, "dei_TradingSymbol": { "xbrltype": "tradingSymbolItemType", "nsuri": "http://xbrl.sec.gov/dei/2023", "localname": "TradingSymbol", "presentation": [ "http://www.discovercard.com/role/DocumentandEntityInformationDocument" ], "lang": { "en-us": { "role": { "terseLabel": "Trading symbol", "label": "Trading Symbol", "documentation": "Trading symbol of an instrument as listed on an exchange." } } }, "auth_ref": [] } } } }, "std_ref": { "r0": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b" }, "r1": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "b-2" }, "r2": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "12", "Subsection": "d1-1" }, "r3": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "13e", "Subsection": "4c" }, "r4": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Number": "240", "Section": "14d", "Subsection": "2b" }, "r5": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Exchange Act", "Section": "14a", "Number": "240", "Subsection": "12" }, "r6": { "role": "http://www.xbrl.org/2003/role/presentationRef", "Publisher": "SEC", "Name": "Securities Act", "Number": "230", "Section": "425" } } } ZIP 14 0001393612-23-000054-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001393612-23-000054-xbrl.zip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end