Consolidated Statements of Cash Flows - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Cash Flows from Operating Activities
Net income	$ 326	$ 188
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses	190	176
Amortization of underwriting expense	19	20
Deferred taxes	(40)	(65)
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates	(86)	299
Other operating assets and liabilities	144	(490)
Net cash provided by operating activities	553	128
Cash Flows from Investing Activities
Net increase in Card Member receivables and Card Member loans	(5,991)	(4,063)
Net decrease in loans to affiliates and other	766	1,058
Net increase (decrease) in due to/from affiliates	1,632	(685)
Net cash used in investing activities	(3,593)	(3,690)
Cash Flows from Financing Activities
Net decrease in short-term debt	(1,149)	(2,656)
Net increase in short-term debt to affiliates	6,841	2,701
Proceeds from long-term debt	0	8,443
Principal payments of long-term debt	(2,647)	(4,900)
Net cash provided by financing activities	3,045	3,588
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash	(3)	104
Net increase in cash, cash equivalents and restricted cash	2	130
Cash, cash equivalents and restricted cash at beginning of period	296	1,211
Cash, cash equivalents and restricted cash at end of period	$ 298	$ 1,341