Consolidated Statements of Cash Flows - USD ($) $ in Millions		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities
Net income (loss)		$ 418	$ 387	$ (603)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Provisions for losses		230	249	244
Amortization of underwriting expense		19	25	28
Deferred taxes		13	(35)	55
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates		(247)	(90)	1,088
Other operating assets and liabilities		344	405	(378)
Net cash provided by operating activities		777	941	434
Cash Flows from Investing Activities
Net increase in Card Member receivables and Card Member loans		(1,226)	(4,984)	(1,998)
Net increase in loans to affiliates and other	[1]	(1,128)	(67)	(1,245)
Net (decrease) increase in due to/from affiliates		(924)	978	(1,718)
Net cash used in investing activities		(3,278)	(4,073)	(4,961)
Cash Flows from Financing Activities
Net increase (decrease) in short-term debt		2,390	(482)	(1,685)
Net increase (decrease) in short-term debt to affiliates	[2]	327	(97)	1,414
Proceeds from long-term debt		0	0	8,438
Principal payments of long-term debt	[3]	(7,152)	(3,647)	(4,900)
Proceeds from long-term debt to affiliates	[2]	33,559	11,812	270
Principal payments of long-term debt to affiliates	[1],[2]	(26,674)	(4,546)	0
Net cash provided by financing activities		2,450	3,040	3,537
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash		5	(9)	75
Net decrease in cash, cash equivalents and restricted cash		(46)	(101)	(915)
Cash, cash equivalents and restricted cash at beginning of period		195	296	1,211
Cash, cash equivalents and restricted cash at end of period		$ 149	$ 195	$ 296

[1] As a result of funding structure changes in the ordinary course of business, Credco terminated the intercompany loan agreement with American Express Limited and American Express International, Inc. and settled the related borrowings from American Express Company during the second quarter of 2019.

[2] Pursuant to the revision of the master note arrangement with American Express Company during the fourth quarter of 2018, Credco has changed the classification of the net borrowings from short-term debt to affiliates to long-term debt to affiliates.

[3] Includes $2 million paid during the fourth quarter of 2019 towards the renewal of Credco's existing U.S. dollar-denominated committed bank credit facility.