CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income
Interest and fees on loans	$ 1,195	$ 992	$ 3,325	$ 2,845
Interest on cash and investment securities	23	2	34	6
Total interest income	1,218	994	3,359	2,851
Interest expense
Interest on deposits	66	39	142	130
Interest on borrowings	67	52	166	168
Total interest expense	133	91	308	298
Net interest income	1,085	903	3,051	2,553
Non-interest income
Interchange revenue, net of retailer share arrangements	(136)	(97)	(333)	(251)
Other	30	45	75	114
Total non-interest income	(106)	(52)	(258)	(137)
Total net interest and non-interest income	979	851	2,793	2,416
Provision for credit losses	304	161	902	180
Total net interest and non-interest income, after provision for credit losses	675	690	1,891	2,236
Non-interest expenses
Employee compensation and benefits	202	168	572	489
Card and processing expenses	82	81	248	242
Information processing and communication	75	54	192	161
Marketing expenses	44	35	124	113
Depreciation and amortization	29	23	80	70
Other	54	70	167	181
Total non-interest expenses	486	431	1,383	1,256
Income from continuing operations before income taxes	189	259	508	980
Provision for income taxes	55	53	150	243
Income from continuing operations	134	206	358	737
Income (loss) from discontinued operations, net of income taxes		18	(1)	46
Net income	$ 134	$ 224	$ 357	$ 783
Basic income per share (Note 13)
Income from continuing operations (in dollars per share)	$ 2.69	$ 4.14	$ 7.17	$ 14.81
Income (loss) from discontinued operations (in dollars per share)		0.36	(0.01)	0.94
Net income per share (in dollars per share)	2.69	4.50	7.16	15.75
Diluted income per share (Note 13)
Income from continuing operations (in dollars per share)	2.69	4.11	7.16	14.74
Income (loss) from discontinued operations (in dollars per share)		0.36	(0.01)	0.94
Net income per share (in dollars per share)	$ 2.69	$ 4.47	$ 7.15	$ 15.68
Weighted average common shares outstanding (Note 13)
Basic (in shares)	49.8	49.8	49.9	49.7
Diluted (in shares)	49.9	50.0	50.0	50.0