Consolidated Balance Sheets - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and cash equivalents	$ 33	$ 102
Card Member receivables, less reserves	25,395	24,429
Card Member loans, less reserves	687	636
Loans to affiliates and other	10,345	14,136
Due from affiliates	652	210
Other assets	245	529
Total assets	37,357	40,042
Liabilities
Short-term debt	3,216	826
Short-term debt to affiliates	6,225	5,899
Long-term debt	13,469	20,447
Long-term debt to affiliates	9,292	7,523
Total debt	32,202	34,695
Due to affiliates	2,133	2,869
Accrued interest and other liabilities	435	282
Total liabilities	34,770	37,846
Shareholder's Equity
Common stock	0	0
Additional paid-in-capital	161	161
Retained earnings	3,513	3,095
Accumulated other comprehensive loss:
Foreign currency translation adjustments, net of tax	(1,087)	(1,060)
Total accumulated other comprehensive loss	(1,087)	(1,060)
Total shareholder's equity	2,587	2,196
Total liabilities and shareholder's equity	$ 37,357	$ 40,042