Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and cash equivalents	$ 685	$ 173
Card Member receivables held for sale	0	24
Card Member receivables, less reserves	15,990	17,493
Card Member loans, less reserves	427	431
Loans to affiliates and other	10,473	14,262
Due from affiliates	36	615
Other assets	327	287
Total assets	27,938	33,285
Liabilities
Short-term debt	629	2,120
Short-term debt to affiliates	4,730	5,439
Long-term debt	18,675	21,725
Total debt	24,034	29,284
Due to affiliates	1,505	1,727
Accrued interest and other liabilities	143	155
Total liabilities	25,682	31,166
Shareholder's Equity
Common stock, $0.10 par value, authorized 3 million shares; issued and outstanding 1.5 million shares	0	0
Additional paid-in-capital	161	161
Retained earnings	3,282	3,114
Accumulated other comprehensive loss:
Foreign currency translation adjustments, net of tax	(1,187)	(1,156)
Total accumulated other comprehensive loss	(1,187)	(1,156)
Total shareholder's equity	2,256	2,119
Total liabilities and shareholder's equity	$ 27,938	$ 33,285