CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Millions, $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income
Interest and fees on loans	$ 1,064	$ 913	$ 2,130	$ 1,854
Interest on cash and investment securities	9	2	11	3
Total interest income	1,073	915	2,141	1,857
Interest expense
Interest on deposits	41	43	76	90
Interest on borrowings	54	57	98	117
Total interest expense	95	100	174	207
Net interest income	978	815	1,967	1,650
Non-interest income
Interchange revenue, net of retailer share arrangements	(102)	(85)	(198)	(153)
Other	17	34	45	69
Total non-interest income	(85)	(51)	(153)	(84)
Total net interest and non-interest income	893	764	1,814	1,566
Provision for credit losses	404	(14)	598	19
Total net interest and non-interest income, after provision for credit losses	489	778	1,216	1,547
Non-interest expenses
Employee compensation and benefits	191	162	370	320
Card and processing expenses	84	83	166	161
Information processing and communication	61	55	117	106
Marketing expenses	50	35	80	77
Depreciation and amortization	30	22	51	47
Other	57	67	113	115
Total non-interest expenses	473	424	897	826
Income from continuing operations before income taxes	16	354	319	721
Provision for income taxes	4	91	95	190
Income from continuing operations	12	263	224	531
Income (loss) from discontinued operations, net of income taxes		11	(1)	29
Net income	$ 12	$ 274	$ 223	$ 560
Basic income per share (Note 13)
Income (loss) from continuing operations (in dollars per share)	$ 0.25	$ 5.29	$ 4.48	$ 10.68
Income (loss) from discontinued operations (in dollars per share)		0.21	(0.01)	0.58
Net income per share (in dollars per share)	0.25	5.50	4.47	11.26
Diluted income per share (Note 13)
Income from continuing operations (in dollars per share)	0.25	5.25	4.47	10.63
Income (loss) from discontinued operations (in dollars per share)		0.22	(0.01)	0.58
Net income per share (in dollars per share)	$ 0.25	$ 5.47	$ 4.46	$ 11.21
Weighted average common shares outstanding (Note 13)
Basic (in shares)	49.8	49.7	49.8	49.7
Diluted (in shares)	49.9	50.0	50.0	49.9