CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Loans, including loans held for sale	$ 9,696	$ 7,578	$ 27,476	$ 20,550
Investment securities	627	499	1,881	1,336
Other	550	123	1,436	193
Total interest income	10,873	8,200	30,793	22,079
Interest expense:
Deposits	2,611	689	6,744	1,200
Securitized debt obligations	249	120	696	214
Senior and subordinated notes	579	319	1,596	644
Other borrowings	11	69	35	104
Total interest expense	3,450	1,197	9,071	2,162
Net interest income	7,423	7,003	21,722	19,917
Change in estimated partner reimbursements that decreased/(increased) provision for credit losses	2,284	1,669	7,569	3,431
Net interest income after provision for credit losses	5,139	5,334	14,153	16,486
Non-interest income:
Interchange fees, net	1,234	1,195	3,586	3,429
Service charges and other customer-related fees	453	415	1,243	1,230
Other	256	192	730	634
Total non-interest income	1,943	1,802	5,559	5,293
Non-interest expense:
Salaries and associate benefits	2,274	2,187	7,018	6,159
Occupancy and equipment	518	502	1,532	1,496
Marketing	972	978	2,755	2,899
Professional services	295	471	909	1,326
Communications and data processing	344	349	1,038	1,027
Amortization of Intangibles	24	17	60	45
Other	433	445	1,287	1,131
Total non-interest expense	4,860	4,949	14,599	14,083
Loss from continuing operations before income taxes	2,222	2,187	5,113	7,696
Income tax provision (benefit)	432	493	932	1,568
Income from continuing operations, net of tax	1,790	1,694	4,181	6,128
Net income	1,790	1,694	4,181	6,128
Dividends and undistributed earnings allocated to participating securities	(28)	(21)	(67)	(74)
Preferred stock dividends	(57)	(57)	(171)	(171)
Net income available to common stockholders	$ 1,705	$ 1,616	$ 3,943	$ 5,883
Net income from continuing operations	$ 4.46	$ 4.21	$ 10.31	$ 14.90
Net income per basic common share	4.46	4.21	10.31	14.90
Diluted earnings per common share:
Net income from continuing operations	4.45	4.20	10.28	14.84
Net income per diluted common share	$ 4.45	$ 4.20	$ 10.28	$ 14.84