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GOODWILL AND INTANGIBLE ASSETS, NET (Tables)
12 Months Ended
Dec. 31, 2023
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of finite-lived intangible assets
Intangible assets consisted of the following as of December 31:

2023
Gross
Assets
Accumulated AmortizationNetUseful Life
(Millions)
Definite-Lived Assets
Premium on purchased credit card loan portfolios$231 $(108)$123 
5-13 years
Non-compete agreements(1)5 years
233 (109)124 
Indefinite-Lived Assets
Tradename— Indefinite life
Total intangible assets$237 $(109)$128 
2022
Gross
Assets
Accumulated AmortizationNetUseful Life
(Millions)
Definite-Lived Assets
Customer contracts and lists$$(6)$3 years
Premium on purchased credit card loan portfolios230 (73)157 
4-13 years
Non-compete agreements(1)5 years
$241 $(80)$161 
Indefinite-Lived Assets
Tradename— Indefinite life
Total intangible assets$245 $(80)$165 
Schedule of indefinite-lived intangible assets
Intangible assets consisted of the following as of December 31:

2023
Gross
Assets
Accumulated AmortizationNetUseful Life
(Millions)
Definite-Lived Assets
Premium on purchased credit card loan portfolios$231 $(108)$123 
5-13 years
Non-compete agreements(1)5 years
233 (109)124 
Indefinite-Lived Assets
Tradename— Indefinite life
Total intangible assets$237 $(109)$128 
2022
Gross
Assets
Accumulated AmortizationNetUseful Life
(Millions)
Definite-Lived Assets
Customer contracts and lists$$(6)$3 years
Premium on purchased credit card loan portfolios230 (73)157 
4-13 years
Non-compete agreements(1)5 years
$241 $(80)$161 
Indefinite-Lived Assets
Tradename— Indefinite life
Total intangible assets$245 $(80)$165 
Schedule of estimated amortization expense related to intangible assets
The estimated amortization expense related to intangible assets for the next five years and thereafter is as follows for the years ending December 31:

(Millions)
202433
202525
202624
202721
20286
Thereafter15
124