Consolidated Statements of Cash Flows - USD ($) $ in Millions	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows from Operating Activities
Net income	$ 117	$ 177
Adjustments to reconcile net income to net cash provided by operating activities:
Provisions for losses	74	109
Amortization of underwriting expense	11	12
Deferred taxes	9	(3)
Changes in operating assets and liabilities:
Interest, taxes and other amounts due to/from affiliates	(128)	120
Other operating assets and liabilities	302	(106)
Net cash provided by operating activities	385	309
Cash Flows from Investing Activities
Net increase in Card Member receivables and loans	(4,470)	(3,640)
Net decrease (increase) in loans to affiliates and other	3,578	(1,226)
Net decrease in due from affiliates	1,325	266
Net cash provided by (used in) investing activities	433	(4,600)
Cash Flows from Financing Activities
Net increase (decrease) in short-term debt	1,042	(200)
Net increase in short-term debt to affiliates	114	920
Issuance of long-term debt	2,140	4,625
Principal payments on long-term debt	(4,004)	(903)
Dividends paid	(60)	(156)
Net cash (used in) provided by financing activities	(768)	4,286
Effect of foreign currency exchange rates on cash and cash equivalents	(2)	2
Net increase (decrease) in cash and cash equivalents	48	(3)
Cash and cash equivalents at beginning of period	74	86
Cash and cash equivalents at end of period	$ 122	$ 83