Consolidated Statements of Income and Retained Earnings - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Revenues
Discount revenue earned from purchased Card Member receivables and loans	$ 119	$ 126	$ 352	$ 359
Interest income from affiliates and other	51	53	158	194
Finance revenue	10	8	29	22
Total revenues	180	187	539	575
Expenses
Provisions for losses	37	46	105	120
Interest expense	80	83	239	283
Interest expense to affiliates	5	3	16	7
Other, net	(12)	10	(13)	(19)
Total expenses	110	142	347	391
Pretax income	70	45	192	184
Income tax provision	10	6	24	28
Net income	60	39	168	156
Retained earnings at beginning of period	3,222	3,072	3,114	3,015
Dividends	0	(16)	0	(76)
Retained earnings at end of period	$ 3,282	$ 3,095	$ 3,282	$ 3,095