v3.22.2.2
Customer Accounts Receivable (Details) - USD ($)
$ in Thousands
 9 Months Ended
Oct. 31, 2022
Oct. 31, 2021
Jan. 31, 2022
Quantitative information about the receivables portfolio managed [Abstract]      
Customer accounts receivable (1) $ 1,032,800   $ 1,130,395
Deferred fees and origination costs, net (11,753)   (13,503)
Allowance for no-interest option credit programs 17,609   19,654
Allowance for uncollectible interest and fees 23,049   15,124
Carrying value of customer accounts receivable 980,389   1,082,114
Allowance for credit losses (164,629)   (193,896)
Total customer accounts receivable, net 815,760   888,218
Short-term portion of customer accounts receivable, net (423,827)   (455,787)
Long-term customer accounts receivable, net 391,933   432,431
Customer accounts receivable 60 days past due 119,223   112,858
Re-aged customer accounts receivable 161,429   181,996
Restructured customer accounts receivable 76,163   99,557
Amounts included within past due and reaged accounts 46,100   48,600
Accounts Receivable, Restructured Accounts, Past Due 21,200   29,000
Financing Receivable, Past Due 297,100   299,000
Interest receivable 33,000   22,300
Interest receivable outstanding net of allowance for uncollectible interest 9,900   $ 7,200
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]      
Allowance at beginning of period 209,020 $ 298,037  
Provision 114,849 44,924  
Principal charge-offs (134,436) (132,401)  
Interest charge-offs (32,217) (36,349)  
Recoveries 30,462 33,943  
Allowance at end of period 187,678 208,154  
Average total customer portfolio balance 1,061,985 1,135,379  
Restructured Accounts      
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]      
Allowance at beginning of period 43,976 78,297  
Provision 25,771 23,079  
Principal charge-offs (34,222) (50,691)  
Interest charge-offs (8,201) (13,917)  
Recoveries 7,754 12,996  
Allowance at end of period 35,078 49,764  
Average total customer portfolio balance 89,042 149,745  
Customer Accounts Receivable [Member]      
Allowance for doubtful accounts and uncollectible interest for customer receivables [Abstract]      
Allowance at beginning of period 165,044 219,740  
Provision 89,078 21,845  
Principal charge-offs (100,214) (81,710)  
Interest charge-offs (24,016) (22,432)  
Recoveries 22,708 20,947  
Allowance at end of period 152,600 158,390  
Average total customer portfolio balance $ 972,943 $ 985,634