Consolidated Statements of Cash Flows - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities
Net income	$ 197	$ 214	$ 353
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses	151	165	202
Amortization of underwriting expenses	23	30	24
Deferred taxes	14	8	(17)
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates	(39)	(262)	44
Other operating assets and liabilities	475	458	(455)
Net cash provided by operating activities	821	613	151
Cash Flows from Investing Activities
Net (increase) in Card Member receivables and loans, including held for sale	(1,059)	(3,592)	(251)
Net decrease (increase) in loans to affiliates and other	2,973	152	(4,746)
Net (decrease) increase in due to/from affiliates	(515)	2,605	662
Net cash provided by (used in) investing activities	1,399	(835)	(4,335)
Cash Flows from Financing Activities
Net increase in short-term debt	873	1,351	569
Net (decrease) increase in short-term debt to affiliates	(861)	1,112	798
Issuance of long-term debt	3,791	6,522	7,509
Principal payments on long-term debt	(4,961)	(8,545)	(4,355)
Dividends paid	0	(115)	(342)
Net cash (used in) provided by financing activities	(1,158)	325	4,179
Effect of foreign currency exchange rates on cash and cash equivalents	(24)	(4)	(7)
Net increase (decrease) in cash and cash equivalents	1,038	99	(12)
Cash and cash equivalents at beginning of year	173	74	86
Cash and cash equivalents at end of year	$ 1,211	$ 173	$ 74