Consolidated Statements of Income and Retained Earnings - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Revenues
Discount revenue earned from purchased Card Member receivables and loans	$ 185	$ 120
Interest income from affiliates and other	55	51
Finance revenue	12	9
Total revenues	252	180
Expenses
Provisions for losses	62	36
Interest expense	97	77
Interest expense to affiliates	9	5
Other, net	18	5
Total expenses	186	123
Pretax income	66	57
Income tax provision	7	6
Net income	59	51
Retained earnings at beginning of period	3,311	3,114
Dividends	0	0
Retained earnings at end of period	$ 3,370	$ 3,165