Consolidated Statements of Cash Flows - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Cash Flows from Operating Activities
Net income	$ 108	$ 117
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses	68	74
Deferred taxes	4	9
Amortization of underwriting expenses	11	11
Changes in operating assets and liabilities:
Interest, taxes and other amounts due from/to affiliates	23	(128)
Other operating assets and liabilities	315	302
Net cash provided by operating activities	529	385
Cash Flows from Investing Activities
Net decrease (increase) in Card Member receivables and loans, including held for sale	1,048	(4,470)
Net decrease in loans to affiliates and other	1,508	3,578
Net (increase) decrease in due from affiliates	(1,313)	1,325
Net cash provided by investing activities	1,243	433
Cash Flows from Financing Activities
Net (decrease) increase in short-term debt	(1,989)	1,042
Net (decrease) increase in short-term debt to affiliates	(1,007)	114
Issuance of long-term debt	1,743	2,140
Principal payments on long-term debt	(460)	(4,004)
Dividends paid	0	(60)
Net cash used in financing activities	(1,713)	(768)
Effect of foreign currency exchange rates on cash and cash equivalents	2	(2)
Net increase in cash and cash equivalents	61	48
Cash and cash equivalents at beginning of period	173	74
Cash and cash equivalents at end of period	$ 234	$ 122