Consolidated Statements of Income and Retained Earnings - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Revenues
Discount revenue earned from purchased Card Member receivables and loans	$ 113	$ 124	$ 233	$ 233
Interest income from affiliates and other	56	62	107	141
Finance revenue	10	7	19	14
Total revenues	179	193	359	388
Expenses
Provisions for losses	32	34	68	74
Interest expense	82	100	159	200
Interest expense to affiliates	6	2	11	4
Other, net	(6)	(12)	(1)	(29)
Total expenses	114	124	237	249
Pretax income	65	69	122	139
Income tax provision	8	20	14	22
Net income	57	49	108	117
Retained earnings at beginning of period	3,165	3,047	3,114	3,015
Dividends	0	(24)	0	(60)
Retained earnings at end of period	$ 3,222	$ 3,072	$ 3,222	$ 3,072