PRIVATE LABEL CREDIT CARD PORTFOLIO	12 Months Ended
Jan. 31, 2015
PRIVATE LABEL CREDIT CARD PORTFOLIO [Abstract]
PRIVATE LABEL CREDIT CARD PORTFOLIO	NOTE 10 - PRIVATE LABEL CREDIT CARD PROGRAM On August 8, 2012, we entered into an Amended and Restated Private Label Credit Card Plan Agreement ("Agreement") with World Financial Network Bank (now Comenity Bank) ("Bank"), an affiliate of Alliance Data Systems Corporation ("ADS"). The Agreement supersedes, restates and amends in its entirety an Amended and Restated Private Label Credit Card Program Agreement dated March 5, 2004, and various subsequent amendments thereto, between us and the Bank. Under the terms of the Agreement, which will remain in effect until July 31, 2021, the Bank provides private label credit card services for our credit card program, including account acquisition and activation, receivables funding, card authorization, private label credit card issuance, statement generation, remittance processing, customer service functions and marketing services. We are required to perform certain duties, including electronic processing and transmitting of transaction records and marketing and promoting the private label credit card program. As consideration, among other payments set forth in the Agreement, the Bank pays us a monthly net portfolio yield payment and an annual portfolio performance bonus, if earned. Under the previous agreement, we received a premium or paid a discount on certain private label credit card sales, a share of certain fees generated by the portfolio and marketing support. We received certain upfront payments upon execution of the Agreement that are being recognized over the life of the Agreement. We realized $54.1 million, $46.3 million and $31.0 million related to our private label credit card program during 2014, 2013 and 2012, respectively, which have been recorded as a reduction to SG&A expenses.

NOTE 10 - PRIVATE LABEL CREDIT CARD PROGRAM

On August 8, 2012, we entered into an Amended and Restated Private Label Credit Card Plan Agreement ("Agreement") with World Financial Network Bank (now Comenity Bank) ("Bank"), an affiliate of Alliance Data Systems Corporation ("ADS"). The Agreement supersedes, restates and amends in its entirety an Amended and Restated Private Label Credit Card Program Agreement dated March 5, 2004, and various subsequent amendments thereto, between us and the Bank.

Under the terms of the Agreement, which will remain in effect until July 31, 2021, the Bank provides private label credit card services for our credit card program, including account acquisition and activation, receivables funding, card authorization, private label credit card issuance, statement generation, remittance processing, customer service functions and marketing services. We are required to perform certain duties, including electronic processing and transmitting of transaction records and marketing and promoting the private label credit card program. As consideration, among other payments set forth in the Agreement, the Bank pays us a monthly net portfolio yield payment and an annual portfolio performance bonus, if earned. Under the previous agreement, we received a premium or paid a discount on certain private label credit card sales, a share of certain fees generated by the portfolio and marketing support.

We received certain upfront payments upon execution of the Agreement that are being recognized over the life of the Agreement. We realized $54.1 million, $46.3 million and $31.0 million related to our private label credit card program during 2014, 2013 and 2012, respectively, which have been recorded as a reduction to SG&A expenses.