CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS $ in Millions	6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 223	$ 560
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses	598	19
Depreciation and amortization	51	66
Deferred income taxes	(102)	22
Non-cash stock compensation	16	16
Amortization of deferred financing costs	12	16
Amortization of deferred origination costs	43	34
Change in other operating assets and liabilities
Change in other assets	(32)	(59)
Change in other liabilities	(106)	54
Other	40	5
Net cash provided by operating activities	743	733
CASH FLOWS FROM INVESTING ACTIVITIES
Change in credit card and other loans	(596)	666
Change in redemption settlement assets		(41)
Purchase of credit card loan portfolios	(249)	(32)
Capital expenditures	(43)	(35)
Purchases of investment securities	(23)	(60)
Maturities of investment securities	18	35
Other	(4)	2
Net cash (used in) provided by investing activities	(897)	535
CASH FLOWS FROM FINANCING ACTIVITIES
Unsecured borrowings under debt agreements	218	31
Repayments/maturities of unsecured borrowings under debt agreements	(269)	(82)
Debt issued by consolidated variable interest entities	1,588	2,065
Repayments/maturities of debt issued by consolidated variable interest entities	(1,543)	(3,173)
Net decrease in deposits	(22)	(176)
Payment of deferred financing costs	(7)	(8)
Dividends paid	(22)	(21)
Repurchases of common stock	(12)
Other	(3)	(1)
Net cash used in financing activities	(72)	(1,365)
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash		1
Change in cash, cash equivalents and restricted cash	(226)	(96)
Cash, cash equivalents and restricted cash at beginning of period	3,923	3,463
Cash, cash equivalents and restricted cash at end of period	3,697	3,367
Cash and cash equivalents reconciliation
Cash and cash equivalents	3,111	2,788
Restricted cash included within Other assets	586	304
Cash, cash equivalents and restricted cash included within Assets of discontinued operations		275
Total cash, cash equivalents and restricted cash	$ 3,697	$ 3,367