Consolidated Statements of Income and Retained Earnings (Unaudited) (USD $) In Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Revenues
Discount revenue earned from purchased cardmember receivables and loans	$ 88	$ 87	$ 321	$ 319
Interest income from affiliates	128	119	376	339
Interest income from investments	2	9	4	28
Finance revenue	9	10	28	30
Total revenues	227	225	729	716
Expenses
Provisions for losses	(8)	11	43	85
Interest expense	181	158	510	416
Interest expense to affiliates	2	4	9	12
Other, net	(49)	(20)	(107)	(50)
Total expenses	126	153	455	463
Pretax income	101	72	274	253
Income tax benefit	(18)	(10)	(21)	(16)
Net income	119	82	295	269
Retained earnings at beginning of period	3,515	3,500	3,496	3,408
Dividends	(607)	(92)	(764)	(187)
Retained earnings at end of period	$ 3,027	$ 3,490	$ 3,027	$ 3,490