CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS $ in Millions	9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 357	$ 783
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses	902	180
Depreciation and amortization	80	97
Deferred income taxes	(137)	20
Non-cash stock compensation	24	25
Amortization of deferred financing costs	18	23
Amortization of deferred origination costs	64	54
Change in other operating assets and liabilities
Change in other assets	(25)	(89)
Change in other liabilities	11	115
Other	57
Net cash provided by operating activities	1,351	1,208
CASH FLOWS FROM INVESTING ACTIVITIES
Change in credit card and other loans	(1,171)	88
Change in redemption settlement assets		(47)
Proceeds from sale of credit card loan portfolio		512
Purchase of credit card loan portfolios	(249)	(99)
Capital expenditures	(53)	(59)
Purchases of investment securities	(35)	(77)
Maturities of investment securities	25	61
Other	(5)	2
Net cash (used in) provided by investing activities	(1,488)	381
CASH FLOWS FROM FINANCING ACTIVITIES
Unsecured borrowings under debt agreements	218	38
Repayments/maturities of unsecured borrowings under debt agreements	(294)	(114)
Debt issued by consolidated variable interest entities	1,723	2,768
Repayments/maturities of debt issued by consolidated variable interest entities	(3,162)	(3,891)
Net increase in deposits	1,395	88
Payment of deferred financing costs	(10)	(13)
Dividends paid	(32)	(31)
Repurchases of common stock	(12)
Other	(4)	(2)
Net cash used in financing activities	(178)	(1,157)
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash		(4)
Change in cash, cash equivalents and restricted cash	(315)	428
Cash, cash equivalents and restricted cash at beginning of period	3,923	3,463
Cash, cash equivalents and restricted cash at end of period	3,608	3,891
Cash and cash equivalents reconciliation
Cash and cash equivalents	3,583	2,964
Restricted cash included within Other assets	25	655
Cash, cash equivalents and restricted cash included within Assets of discontinued operations		272
Total cash, cash equivalents and restricted cash	$ 3,608	$ 3,891