Consolidated Statements of Income and Retained Earnings (USD $) In Millions, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Revenues
Discount revenue earned from purchased Card Member receivables and loans	$ 133	$ 148	$ 270	$ 297
Interest income from affiliates	100	100	191	218
Interest income from deposits	1	1	1	2
Finance revenue	12	11	25	22
Total revenues	246	260	487	539
Expenses
Provisions for losses	48	34	109	76
Interest expense	134	153	259	321
Interest expense to affiliates	1	2	3	4
Other, net	(25)	(21)	(47)	(53)
Total expenses	158	168	324	348
Pretax income	88	92	163	191
Income tax benefit	(11)	(74)	(14)	(86)
Net income	99	166	177	277
Retained earnings at beginning of period	3,004	3,037	3,004	2,999
Dividends	(78)	(111)	(156)	(184)
Retained earnings at end of period	$ 3,025	$ 3,092	$ 3,025	$ 3,092