Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash Flows from Operating Activities
Net income	$ 168	$ 156
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses	105	120
Amortization of underwriting expenses	17	24
Deferred taxes	4	8
Changes in operating assets and liabilities:
Interest, taxes and other amounts due from/to affiliates	31	(123)
Other operating assets and liabilities	376	413
Net cash provided by operating activities	701	598
Cash Flows from Investing Activities
Net decrease (increase) in Card Member receivables and loans, including held for sale	1,379	(4,230)
Net decrease in loans to affiliates and other	3,485	4,722
Net decrease in due from affiliates	363	1,360
Net cash provided by investing activities	5,227	1,852
Cash Flows from Financing Activities
Net decrease in short-term debt	(1,491)	(394)
Net (decrease) increase in short-term debt to affiliates	(718)	702
Issuance of long-term debt	1,743	5,527
Principal payments on long-term debt	(4,961)	(8,145)
Dividends paid	0	(76)
Net cash used in financing activities	(5,427)	(2,386)
Effect of foreign currency exchange rates on cash and cash equivalents	11	(3)
Net increase in cash and cash equivalents	512	61
Cash and cash equivalents at beginning of period	173	74
Cash and cash equivalents at end of period	$ 685	$ 135