Consolidated Statements of Income and Retained Earnings - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2018	Mar. 31, 2017
Revenues
Discount revenue earned from purchased Card Member receivables and loans	$ 214	$ 185
Interest income from affiliates and other	89	55
Finance revenue	15	12
Total revenues	318	252
Expenses
Provisions for losses	64	62
Interest expense	131	97
Interest expense to affiliates	29	9
Other, net	(14)	18
Total expenses	210	186
Pretax income	108	66
Income tax (benefit) provision	(21)	7
Net income	129	59
Retained earnings at beginning of period	2,708	3,311
Retained earnings at end of period	$ 2,837	$ 3,370