Consolidated Statements of Cash Flows - USD ($) $ in Millions		6 Months Ended
		Jun. 30, 2020	Jun. 30, 2019
Cash Flows from Operating Activities
Net income		$ 104	$ 215
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for credit losses		276	114
Amortization of underwriting expense		7	11
Deferred taxes		(44)	8
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates		11	40
Other operating assets and liabilities		433	208
Net cash provided by operating activities		787	596
Cash Flows from Investing Activities
Net decrease (increase) in Card Member receivables and Card Member loans	[1]	10,019	(1,847)
Net increase in loans to affiliates and other	[1],[2]	(1,812)	(234)
Net increase in due to/from affiliates		1,918	518
Net cash provided by (used in) investing activities		10,125	(1,563)
Cash Flows from Financing Activities
Net decrease in short-term debt		(3,216)	(806)
Net increase in short-term debt to affiliates		2,397	203
Principal payments of long-term debt		(4,600)	(4,250)
Proceeds from long-term debt to affiliates		8,006	17,631
Principal payments of long-term debt to affiliates	[1],[2]	(11,251)	(11,847)
Net cash (used in) provided by financing activities		(8,664)	931
Effect of foreign currency exchange rates on cash, cash equivalents and restricted cash		(5)	4
Net increase (decrease) in cash, cash equivalents and restricted cash		2,243	(32)
Cash, cash equivalents and restricted cash at beginning of period		149	195
Cash, cash equivalents and restricted cash at end of period		$ 2,392	$ 163

[1] Primarily driven by removal of U.S. Consumer and Small Business Card Member receivables from the American Express Issuance Trust II (the Charge Trust) and replacement of the same with U.S. Corporate Card Member receivables by American Express Travel Related Services Company, Inc. (TRS) during the three months ended March 31, 2020. To effect this change, on January 7, 2020, Credco sold $5.2 billion of U.S. Corporate Card Member receivables to TRS. Settlement of this transaction was undertaken through borrowings from American Express Company.

[2] 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 three months ended June 30, 2019.