CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest income:
Loans, including loans held for sale	$ 9,057	$ 6,605	$ 17,780	$ 12,972
Investment securities	639	435	1,254	837
Other	470	55	886	70
Total interest income	10,166	7,095	19,920	13,879
Interest expense:
Deposits	2,277	293	4,133	511
Securitized debt obligations	236	65	447	94
Senior and subordinated notes	528	194	1,017	325
Other borrowings	12	26	24	35
Total interest expense	3,053	578	5,621	965
Net interest income	7,113	6,517	14,299	12,914
Change in estimated partner reimbursements that decreased/(increased) provision for credit losses	2,490	1,085	5,285	1,762
Net interest income after provision for credit losses	4,623	5,432	9,014	11,152
Non-interest income:
Interchange fees, net	1,213	1,201	2,352	2,234
Service charges and other customer-related fees	411	415	790	815
Other	275	99	474	442
Total non-interest income	1,899	1,715	3,616	3,491
Non-interest expense:
Salaries and associate benefits	2,317	1,946	4,744	3,972
Occupancy and equipment	506	481	1,014	994
Marketing	886	1,003	1,783	1,921
Professional services	290	458	614	855
Communications and data processing	344	339	694	678
Amortization of Intangibles	22	14	36	28
Other	429	342	854	686
Total non-interest expense	4,794	4,583	9,739	9,134
Income (loss) from continuing operations before income taxes	1,728	2,564	2,891	5,509
Income tax provision (benefit)	297	533	500	1,075
Income from continuing operations, net of tax	1,431	2,031	2,391	4,434
Net income	1,431	2,031	2,391	4,434
Dividends and undistributed earnings allocated to participating securities	(23)	(25)	(39)	(53)
Preferred stock dividends	(57)	(57)	(114)	(114)
Net income available to common stockholders	$ 1,351	$ 1,949	$ 2,238	$ 4,267
Net income from continuing operations	$ 3.53	$ 4.98	$ 5.85	$ 10.65
Net income per basic common share	3.53	4.98	5.85	10.65
Diluted earnings per common share:
Net income from continuing operations	3.52	4.96	5.83	10.61
Net income per diluted common share	$ 3.52	$ 4.96	$ 5.83	$ 10.61