Consolidated Balance Sheets - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 1,019	$ 33
Card Member receivables, less reserves for credit losses	10,877	25,395
Card Member loans, less reserves for credit losses	431	687
Loans to affiliates and other	10,357	10,345
Due from affiliates	11	652
Other assets	287	245
Total assets	22,982	37,357
Liabilities
Short-term debt	0	3,216
Short-term debt to affiliates	8,568	6,225
Long-term debt	6,985	13,469
Long-term debt to affiliates	916	9,292
Total debt	16,469	32,202
Due to affiliates	3,414	2,133
Accrued interest and other liabilities	331	435
Total liabilities	20,214	34,770
Shareholder’s Equity
Common stock	0	0
Additional paid-in capital	161	161
Retained earnings	3,762	3,513
Accumulated other comprehensive loss
Foreign currency translation adjustments, net of tax	(1,155)	(1,087)
Total accumulated other comprehensive loss	(1,155)	(1,087)
Total shareholder’s equity	2,768	2,587
Total liabilities and shareholder’s equity	$ 22,982	$ 37,357