Consolidated Statements of Income and Retained Earnings (Unaudited) (USD $) In Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Revenues
Discount revenue earned from purchased cardmember receivables and loans	$ 130	$ 95	$ 233	$ 232
Interest income from affiliates	127	110	248	220
Interest income from investments	0	9	2	19
Finance revenue	9	9	19	20
Total revenues	266	223	502	491
Expenses
Provisions for losses	29	16	51	74
Interest expense	167	128	329	258
Interest expense to affiliates	3	5	7	8
Other, net	(37)	(17)	(58)	(30)
Total expenses	162	132	329	310
Pretax income	104	91	173	181
Income tax benefit	(3)	(1)	(3)	(6)
Net income	107	92	176	187
Retained earnings at beginning of period	3,477	3,503	3,496	3,408
Dividends	(69)	(95)	(157)	(95)
Retained earnings at end of period	$ 3,515	$ 3,500	$ 3,515	$ 3,500