CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including loans held for sale	$ 9,920	$ 8,723
Investment securities	687	615
Other	570	416
Total interest income	11,177	9,754
Interest expense:
Deposits	2,812	1,856
Securitized debt obligations	261	211
Senior and subordinated notes	606	489
Other borrowings	10	12
Total interest expense	3,689	2,568
Net interest income	7,488	7,186
Change in estimated partner reimbursements that decreased provision for credit losses	2,683	2,795
Net interest income after provision for credit losses	4,805	4,391
Non-interest income:
Interchange fees, net	1,145	1,139
Service charges and other customer-related fees	462	379
Other	307	199
Total non-interest income (loss)	1,914	1,717
Non-interest expense:
Salaries and associate benefits	2,478	2,427
Occupancy and equipment	554	508
Marketing	1,010	897
Professional services	262	324
Communications and data processing	351	350
Amortization of intangibles	19	14
Other	463	425
Total non-interest expense	5,137	4,945
Income from continuing operations before income taxes	1,582	1,163
Income tax provision	302	203
Net income	1,280	960
Dividends and undistributed earnings allocated to participating securities	(23)	(16)
Preferred stock dividends	(57)	(57)
Net income available to common stockholders	$ 1,200	$ 887
Basic earnings per common share:
Net income per basic common share (in dollars per share)	$ 3.14	$ 2.32
Diluted earnings per common share:
Net income per diluted common share (in dollars per share)	$ 3.13	$ 2.31