Condensed Consolidated Statements of Income - USD ($) $ in Millions	3 Months Ended				9 Months Ended
	Sep. 30, 2020		Sep. 30, 2019		Sep. 30, 2020		Sep. 30, 2019
Interest income
Credit card loans	$ 2,171		$ 2,465		$ 6,760		$ 7,223
Other loans	446		472		1,369		1,389
Investment securities	58		53		171		120
Other interest income	6		50		35		222
Total interest income	2,681		3,040		8,335		8,954
Interest expense
Deposits	287		407		1,000		1,194
Short-term borrowings	3		0		3		0
Long-term borrowings	126		231		479		721
Total interest expense	416		638		1,482		1,915
Net interest income	2,265		2,402		6,853		7,039
Provision for credit losses	750	[1]	799	[2]	4,603	[3]	2,395	[2]
Net interest income after provision for credit losses	1,515		1,603		2,250		4,644
Other income
Discount and interchange revenue, net	238		255		691		785
Protection products revenue	44		48		135		146
Loan fee income	100		120		304		326
Transaction processing revenue	50		52		143		146
Gains on equity investments	0		0		79		0
Other income	17		23		59		73
Total other income	449		498		1,411		1,476
Other expense
Employee compensation and benefits	471		439		1,390		1,291
Marketing and business development	140		230		500		649
Information processing and communications	111		96		342		296
Professional fees	151		189		525		539
Premises and equipment	26		26		83		80
Other expense	106		127		401		354
Total other expense	1,005		1,107		3,241		3,209
Income before income taxes	959		994		420		2,911
Income tax expense	188		224		78		662
Net income	771		770		342		2,249
Net income allocated to common stockholders	$ 751		$ 749		$ 309		$ 2,203
Basic earnings per common share	$ 2.45		$ 2.36		$ 1.00		$ 6.83
Diluted earnings per common share	$ 2.45		$ 2.36		$ 1.00		$ 6.82

[1] Prior to adoption of ASU No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.

[2] Prior to adoption of ASU No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.

[3] Prior to adoption of ASU No. 2016-13 on January 1, 2020, credit losses were estimated using the incurred loss approach.