Synchrony Financial (SYF) 10-Q 5 Sep 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information Document	6 Months Ended
	Jun. 30, 2014	Sep. 04, 2014
Document and Entity Information [Abstract]	'	'
Entity Registrant Name	'Synchrony Financial	'
Entity Central Index Key	'0001601712	'
Document Type	'10-Q	'
Document Period End Date	30-Jun-14	'
Amendment Flag	'false	'
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q2	'
Current Fiscal Year End Date	'--12-31	'
Entity Filer Category	'Non-accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	833,764,589

Condensed_Consolidated_and_Com

Condensed Consolidated and Combined Statements of Earnings (Unaudited) (USD $)	3 Months Ended		6 Months Ended
In Millions, except Share data in Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Interest income:	'	'	'	'
Interest and fees on loans	$2,920	$2,681	$5,848	$5,380
Interest on investment securities	6	5	11	10
Total interest income	2,926	2,686	5,859	5,390
Interest expense:	'	'	'	'
Interest on deposits	109	93	205	187
Interest on related party debt	43	30	90	73
Total interest expense	206	178	396	371
Net interest income	2,720	2,508	5,463	5,019
Retailer share arrangements	-590	-547	-1,184	-1,031
Net interest income, after retailer share arrangements	2,130	1,961	4,279	3,988
Provision for loan losses	681	666	1,445	1,713
Net interest income, after retailer share arrangements and provision for loan losses	1,449	1,295	2,834	2,275
Other income:	'	'	'	'
Interchange revenue	92	81	168	153
Debt cancellation fees	70	77	140	162
Loyalty programs	-63	-58	-106	-98
Other	13	24	25	39
Total other income	112	124	227	256
Other expense:	'	'	'	'
Employee costs	207	173	400	335
Professional fees	155	107	296	209
Marketing and business development	97	53	180	98
Information processing	53	48	105	94
Other	285	182	426	366
Total other expense	797	563	1,407	1,102
Earnings before provision for income taxes	764	856	1,654	1,429
Provision for income taxes	292	320	624	534
Net earnings	472	536	1,030	895
Weighted average shares outstanding (in thousands)	'	'	'	'
Basic (in shares)	705,271	705,271	705,271	705,271
Diluted (in shares)	705,271	705,271	705,271	705,271
Earnings per share	'	'	'	'
Basic (in usd per share)	$0.67	$0.76	$1.46	$1.27
Diluted (in usd per share)	$0.67	$0.76	$1.46	$1.27
Variable Interest Entity, Primary Beneficiary	'	'	'	'
Interest expense:	'	'	'	'
Interest on borrowings of consolidated securitization entities	$54	$55	$101	$111

Condensed_Consolidated_and_Com1

Condensed Consolidated and Combined Statements of Comprehensive Income (Unaudited) Statement (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Statement of Comprehensive Income [Abstract]	'	'	'	'
Net earnings	$472	$536	$1,030	$895
Other comprehensive income (loss)	'	'	'	'
Investment securities	3	-7	5	-8
Currency translation adjustments	0	1	1	-2
Other comprehensive income (loss)	3	-6	6	-10
Comprehensive income	$475	$530	$1,036	$885

Condensed_Consolidated_and_Com2

Condensed Consolidated and Combined Statements of Financial Position (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Assets	'		'
Cash and equivalents	$6,782		$2,319
Investment securities	298		236
Loan receivables	54,873	[1],[2]	57,254	[1],[2]
Less: Allowance for loan losses	-3,006		-2,892
Loan receivables, net	51,867		54,362
Loan receivables held for sale	1,458		0
Goodwill	949		949
Intangible assets, net	463		300
Other assets	1,358	[3]	919	[3]
Total assets	63,175		59,085
Deposits	'		'
Interest bearing deposit accounts	30,258		25,360
Non-interest bearing deposit accounts	204		359
Total deposits	30,462		25,719
Borrowings	'		'
Related party debt	7,859		8,959
Total borrowings	22,973		24,321
Accrued expenses and other liabilities	3,347		3,085
Total liabilities	56,782		53,125
Equity:	'		'
Common Stock, par share value $0.001 per share; 4,000,000,000 shares authorized, 705,270,833 shares issued and outstanding at June 30, 2014	1		0
Additional paid-in capital	6,399		0
Retained earnings	0		0
Parent’s net investment	0		5,973
Accumulated other comprehensive income (loss):	'		'
Investment securities	-4		-9
Currency translation adjustments	-2		-3
Other	-1		-1
Total equity	6,393		5,960
Total liabilities and equity	63,175		59,085
Restricted cash and cash equivalents	187		76
Unsecuritized loans held for investment	'		'
Assets	'		'
Loan receivables	28,280		31,183
Restricted loans of consolidated securitization entities	'		'
Assets	'		'
Loan receivables	26,593		26,071
Borrowings	'		'
Borrowings of consolidated securitization entities	$15,114		$15,362
[1]	Total loan receivables include $26,593 million and $26,071 million of restricted loans of consolidated securitization entities at June 30, 2014 and December 31, 2013, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
[2]	At June 30, 2014 and December 31, 2013, loan receivables included deferred expense of $28 million and $8 million, respectively.
[3]	Other assets include restricted cash of $187 million and $76 million at June 30, 2014 and December 31, 2013, respectively.

Condensed_Consolidated_and_Com3

Condensed Consolidated and Combined Statements of Financial Position Statement (Parenthetical) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Statement of Financial Position [Abstract]	'	'
Common stock par value (in usd per share)	$0.00	$0.00
Common stock shares authorized	4,000,000,000	0
Common stock shares issued	705,270,833	0
Common stock shares outstanding	705,270,833	0

Condensed_Consolidated_and_Com4

Condensed Consolidated and Combined Statements of Changes in Equity (Unaudited) (USD $)	Total	Common Stock	Additional Paid-in Capital	Parent's Net Investment	Retained Earnings	Accumulated Other Comprehensive Income
In Millions, except Share data, unless otherwise specified
Balance at Dec. 31, 2012	$4,582	$0	$0	$4,580	$0	$2
Balance (in shares) at Dec. 31, 2012	'	0	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Net earnings	895	0	0	895	0	0
Other comprehensive income	-10	0	0	0	0	-10
Changes in Parent's net investment	51	0	0	51	0	0
Balance at Jun. 30, 2013	5,518	0	0	5,526	0	-8
Balance (in shares) at Jun. 30, 2013	'	0	'	'	'	'
Balance at Dec. 31, 2013	5,960	0	0	5,973	0	-13
Balance (in shares) at Dec. 31, 2013	0	0	'	'	'	'
Increase (Decrease) in Stockholders' Equity [Roll Forward]	'	'	'	'	'	'
Net earnings	1,030	0	0	1,030	0	0
Other comprehensive income	6	0	0	0	0	6
Changes in Parent's net investment	-603	0	0	-603	0	0
Conversion of parent's net investment into common stock (shares)	'	705,271,000	'	'	'	'
Conversion of parent's net investment into common stock	0	1	6,399	-6,400	0	0
Balance at Jun. 30, 2014	$6,393	$1	$6,399	$0	$0	($7)
Balance (in shares) at Jun. 30, 2014	705,270,833	705,271,000	'	'	'	'

Condensed_Consolidated_and_Com5

Condensed Consolidated and Combined Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
Cash flows - operating activities	'	'
Net earnings	$1,030	$895
Adjustments to reconcile net earnings to cash provided from operating activities	'	'
Provision for loan losses	1,445	1,713
Deferred income taxes	-58	-215
Depreciation and amortization	63	52
Decrease in interest and fee receivable	180	61
Decrease (increase) in other assets	101	-13
Increase in accrued expenses and other liabilities	214	245
All other operating activities	24	32
Cash from operating activities	2,999	2,770
Cash flows - investing activities	'	'
Maturity and redemption of investment securities	10	23
Purchases of investment securities	-63	-67
Acquisition of loan receivables	0	-206
Net cash from principal business purchased	0	6,393
Net (increase) decrease in restricted cash	-111	8
Net increase in loan receivables	-587	-463
All other investing activities	-264	-31
Cash (used for) from investing activities	-1,015	5,657
Borrowings of consolidated securitization entities	'	'
Proceeds from issuance of securitized debt	3,400	866
Maturities and repayment of securitized debt	-3,647	-1,782
Net decrease in related party debt	-1,195	-1,566
Net increase (decrease) in deposits	4,595	-4,213
Net transfers (to) from Parent	-603	51
All other financing activities	-71	-7
Cash from (used for) financing activities	2,479	-6,651
Increase in cash and equivalents	4,463	1,776
Cash and equivalents at beginning of period	2,319	1,334
Cash and equivalents at end of period	$6,782	$3,110

Business_Description

Business Description	6 Months Ended
	Jun. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract]	'
Business Description	'
	BUSINESS DESCRIPTION
	Synchrony Financial (the “Company”) provides a range of credit products through programs it has established with a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers. The Company is a holding company for the legal entities that historically conducted General Electric Company’s (“GE”) North American retail finance business, including GE Capital Retail Bank. Substantially all of the assets and operations of that business were transferred to the Company in 2013, and the remaining assets were transferred to the Company by June 30, 2014, and prior to the completion of the Company’s initial public offering of its common stock (the “IPO”), which closed on August 5, 2014. Prior to the IPO, the Company was indirectly wholly-owned by General Electric Capital Corporation (“GECC” or “Parent”). See Note 1. Formation of the Company, to our 2013 annual combined financial statements in the Registration Statement on Form S-1, as amended and filed on July 18, 2014 (File No. 333-194528) (the “Registration Statement”) for additional information on the formation of the company. We conduct our operations through a single business segment.
	The Company changed its name in March 2014 to Synchrony Financial and, in June 2014, changed the name of GE Capital Retail Bank to Synchrony Bank (the “Bank”). References to the Company, “we”, “us” and “our” are to Synchrony Financial and its combined and consolidated subsidiaries unless the context otherwise requires.
	In the third quarter of 2014, we entered into a series of transactions (the “Transactions”) to effect the first steps in GE’s staged exit from our business. The Transactions, among other things, included the IPO of 125 million shares of our common stock, and the issuance of 3.5 million additional shares of our common stock pursuant to an option granted to the underwriters in the IPO (the “Underwriters' Option”). Following the closing of the IPO and the Underwriters' Option, GE currently owns approximately 84.6% of our common stock. See Note 15. Subsequent Events for additional information on the Transactions.

Basis_of_Presentation_and_Summ

Basis of Presentation and Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2014
Accounting Policies [Abstract]	'
Basis of Presentation and Summary of Significant Accounting Policies	'
	BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation
	All remaining assets of our business were transferred from GECC and its subsidiaries to the Company by the end of the second quarter of 2014. As a result, the Company’s financial statements have been prepared on a consolidated basis, effective June 30, 2014. Under this basis of presentation, our financial statements consolidate all of our subsidiaries – i.e., entities in which we have a controlling financial interest, most often because we hold a majority voting interest. All subsequent periods will also be presented on a consolidated basis.
	For all periods prior to June 30, 2014, the Company's financial statements were prepared on a combined basis. The combined financial statements combine all of our subsidiaries and certain accounts of GECC and its subsidiaries that were historically managed as part of our business.
	The Condensed Consolidated and Combined Statements of Earnings reflect intercompany expense allocations made to us by GE and GECC for certain corporate functions and for shared services provided by GE and GECC. Where possible, these allocations were made on a specific identification basis, and in other cases, these expenses were allocated by GE and GECC based on relative percentages of net operating costs or some other basis depending on the nature of the allocated cost. See Note 13. Related Party Transactions and Parent’s Net Investment for further information on expenses allocated by GE and GECC.
	The historical financial results in the condensed consolidated and combined financial statements presented may not be indicative of the results that would have been achieved had we operated as a separate, stand-alone entity during those periods. The condensed consolidated and combined financial statements presented do not reflect all changes that occurred in our financing and operations in connection with or as a result of the IPO. We believe that the condensed consolidated and combined financial statements include all adjustments necessary for a fair presentation of the business.
	Interim Period Presentation
	The condensed consolidated and combined financial statements and notes thereto are unaudited. These statements include all adjustments (consisting of normal recurring accruals) that we considered necessary to present a fair statement of our results of operations, financial position and cash flows. The results reported in these condensed consolidated and combined financial statements should not be considered as necessarily indicative of results that may be expected for the entire year. These condensed consolidated and combined financial statements should be read in conjunction with our 2013 annual combined financial statements and the related notes in our Registration Statement. We label our quarterly information using a calendar convention, that is, first quarter is labeled as ending on March 31, second quarter as ending on June 30, and third quarter as ending on September 30. It is the longstanding practice of GE and GECC, our parent companies, to establish interim quarterly closing dates using a fiscal calendar, which requires our business to close its books on a Sunday. The effects of this practice are modest and only exist within a reporting year.
	Summary of Significant Accounting Policies
	See Note 2. Basis of Presentation and Summary of Significant Accounting Policies to our 2013 annual combined financial statements in our Registration Statement, for additional information on our significant accounting policies.

Acquisitions

Acquisitions	6 Months Ended
	Jun. 30, 2014
Business Combinations [Abstract]	'
Acquisitions	'
	ACQUISITIONS
	Effective January 11, 2013, we acquired the deposit business of MetLife Bank, N.A. in a transaction that was accounted for using the acquisition method of accounting. In exchange for assuming $6,441 million of deposit liabilities we received assets that included $6,393 million of cash, $19 million of core deposit intangibles, $8 million of other intangibles and $8 million of deferred tax assets. The $13 million excess of the fair value of the consideration conveyed to the seller over the fair value of the net assets acquired was recognized as goodwill.

Investment_Securities

Investment Securities	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Investment Securities	'
	INVESTMENT SECURITIES
	All of our investment securities are classified as available-for-sale and are primarily held to comply with the Community Reinvestment Act. Our investment securities consist of the following:
		June 30, 2014											December 31, 2013
				Gross			Gross								Gross		Gross
		Amortized		unrealized			unrealized			Estimated			Amortized		unrealized		unrealized			Estimated
	($ in millions)	cost		gains			losses			fair value			cost		gains		losses			fair value
	Debt
	State and municipal	$	59	$	1		$	(4	)	$	56		$	53	$	—	$	(7	)	$	46
	Residential
	mortgage-backed(a)	230		2			(5		)	227			183		1		(9		)	175
	Equity	15		—			—			15			15		—		—			15
	Total	$	304	$	3		$	(9	)	$	298		$	251	$	1	$	(16	)	$	236
	_______________________
	(a)	At June 30, 2014 and December 31, 2013 all of our residential mortgage-backed securities relate to securities issued by government-sponsored entities and are pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve Discount Window advances. All residential mortgage-backed securities are collateralized by U.S. mortgages.
	The following table presents the estimated fair values and gross unrealized losses of our available-for-sale investment securities:
		In loss position for
		Less than 12 months					12 months or more
				Gross						Gross
		Estimated		unrealized			Estimated			unrealized
	($ in millions)	fair value		losses			fair value			losses
	At June 30, 2014
	Debt
	State and municipal	$	8	$	—		$	24		$	(4	)
	Residential mortgage-backed	15		—			92			(5		)
	Total	$	23	$	0		$	116		$	(9	)
	At December 31, 2013
	Debt
	State and municipal	$	23	$	(2	)	$	20		$	(5	)
	Residential mortgage-backed	127		(7		)	20			(2		)
	Equity	14		—			—			—
	Total	$	164	$	(9	)	$	40		$	(7	)
	At June 30, 2014, none of our equity securities were in a gross unrealized loss position. We regularly review investment securities for impairment using both qualitative and quantitative criteria. We presently do not intend to sell our debt securities that are in an unrealized loss position and believe that it is not more likely than not that we will be required to sell these securities before recovery of our amortized cost.
	There were no other-than-temporary impairments recognized for each of the three and six months ended June 30, 2014 and 2013.
	Contractual Maturities of Investments in Available-for-Sale Debt Securities (excluding residential mortgage-backed securities)
		Amortized		Estimated
	At June 30, 2014 ($ in millions)	cost		fair value
	Due
	Within one year	$	—	$	—
	After one year through five years	$	1	$	1
	After five years through ten years	$	1	$	1
	After ten years	$	57	$	54
	We expect actual maturities to differ from contractual maturities because borrowers have the right to prepay certain obligations.
	There were no significant realized gains or losses recognized for each of the three and six months ended June 30, 2014 and 2013.
	Although we generally did not have the intent to sell any specific securities held at June 30, 2014, in the ordinary course of managing our investment securities portfolio, we may sell securities prior to their maturities for a variety of reasons, including diversification, credit quality, yield, liquidity requirements and funding obligations.

Loan_Receivables_and_Allowance

Loan Receivables and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2014
Receivables [Abstract]	'
Loan Receivables and Allowance for Loan Losses	'
	LOAN RECEIVABLES AND ALLOWANCE FOR LOAN LOSSES
	($ in millions)	June 30, 2014				December 31, 2013
	Credit cards	$	52,406			$	54,958
	Consumer installment loans	1,047				965
	Commercial credit products	1,405				1,317
	Other	15				14
	Total loan receivables, before allowance for losses(a)(b)	$	54,873			$	57,254
	_______________________
	(a)	Total loan receivables include $26,593 million and $26,071 million of restricted loans of consolidated securitization entities at June 30, 2014 and December 31, 2013, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
	(b)	At June 30, 2014 and December 31, 2013, loan receivables included deferred expense of $28 million and $8 million, respectively.
	Loan Receivables Held for Sale
	Loans purchased or originated with the intent to sell or as to which we do not have the ability and intent to hold for the foreseeable future are classified as loan receivables held for sale and recorded at the lower of amortized cost or fair value. We continue to recognize interest and fees on these loans on the accrual basis. The fair value of loan receivables held for sale is determined on an aggregate homogeneous portfolio basis.
	If a loan is transferred from held for investment to held for sale, declines in fair value related to credit are recorded as a charge-off which establishes a new cost basis for the loan. Further declines in fair value and recoveries up to the amortized cost and realized gains or losses are recorded as a component of other income in our Condensed Consolidated and Combined Statements of Earnings.
	During the second quarter of 2014, we entered into agreements to sell certain credit card portfolios associated with two retail partners whose program agreements with us were not extended beyond their contractual expiration dates in 2014.  As a result, at June 30, 2014, $1,458 million of loan receivables are classified as loan receivables held for sale on our Condensed Consolidated and Combined Statement of Financial Position. The sales of each portfolio, which are subject to customary closing conditions, are expected to be completed in the fourth quarter of 2014.
	Allowance for Loan Losses
	($ in millions)	Balance at April 1, 2014				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2014
	Credit cards	$	2,935			$	662		(a)	$	(792	)		$	134			$	2,939
	Consumer installment loans	17				7				(7		)		3				20
	Commercial credit products	46				12				(13		)		2				47
	Total	$	2,998			$	681			$	(812	)		$	139			$	3,006
	($ in millions)	Balance at April 1, 2013				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2013
	Credit cards	$	2,606			$	648			$	(707	)		$	127			$	2,674
	Consumer installment loans	63				7				(13		)		5				62
	Commercial credit products	49				11				(14		)		2				48
	Total	$	2,718			$	666			$	(734	)		$	134			$	2,784
	($ in millions)	Balance at January 1, 2014				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2014
	Credit cards	$	2,827			$	1,414		(a)	$	(1,573	)		$	271			$	2,939
	Consumer installment loans	19				9				(14		)		6				20
	Commercial credit products	46				22				(25		)		4				47
	Total	$	2,892			$	1,445			$	(1,612	)		$	281			$	3,006
	($ in millions)	Balance at January 1, 2013				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2013
	Credit cards	$	2,174			$	1,664			$	(1,439	)		$	275			$	2,674
	Consumer installment loans	62				15				(26		)		11				62
	Commercial credit products	38				34				(29		)		5				48
	Total	$	2,274			$	1,713			$	(1,494	)		$	291			$	2,784
	______________________
	(a)	Includes a $57 million reduction in provision for loan losses associated with the classification of certain loan receivables as held for sale.
	Delinquent and Non-accrual Loans
	At June 30, 2014 ($ in millions)	30-89 days delinquent				90 or more days delinquent				Total Past Due				90 or more days delinquent and accruing				Total non-accruing
	Credit cards	$	1,152			$	894			$	2,046			$	894			$	—
	Consumer installment loans	11				1				12				—				1
	Commercial credit products	26				13				39				13				—
	Total delinquent loans	$	1,189			$	908			$	2,097			$	907			$	1
	Percentage of total loan receivables(a)	2.2		%		1.7		%		3.8		%		1.7		%		0		%
	At December 31, 2013 ($ in millions)	30-89 days delinquent				90 or more days delinquent				Total Past Due				90 or more days delinquent and accruing				Total non-accruing
	Credit cards	$	1,327			$	1,105			$	2,432			$	1,105			$	—
	Consumer installment loans	12				2				14				—				2
	Commercial credit products	28				14				42				14				—
	Total delinquent loans	$	1,367			$	1,121			$	2,488			$	1,119			$	2
	Percentage of total loan receivables(a)	2.4		%		2		%		4.3		%		2		%		0		%
	______________________
	(a)	Percentages are calculated based on period end balances.
	Impaired Loans and Troubled Debt Restructurings
	Most of our non-accrual loan receivables are smaller balance loans evaluated collectively, by portfolio, for impairment and therefore are outside the scope of the disclosure requirements for impaired loans. Accordingly, impaired loans represent restructured smaller balance homogeneous loans meeting the definition of a Troubled Debt Restructuring (“TDR”). We use certain loan modification programs for borrowers experiencing financial difficulties. These loan modification programs include interest rate reductions and payment deferrals in excess of three months, which were not part of the terms of the original contract.
	We have both internal and external loan modification programs. The internal loan modification programs include both temporary and permanent programs. For our credit card customers, the temporary hardship program primarily consists of a reduced minimum payment and an interest rate reduction, both lasting for a period no longer than 12 months. The permanent workout program involves changing the structure of the loan to a fixed payment loan with a maturity no longer than 60 months and reducing the interest rate on the loan. The permanent program does not normally provide for the forgiveness of unpaid principal, but may allow for the reversal of certain unpaid interest or fee assessments. We also make loan modifications for customers who request financial assistance through external sources, such as consumer credit counseling agency programs. These loans typically receive a reduced interest rate but continue to be subject to the original minimum payment terms and do not normally include waiver of unpaid principal, interest or fees. The following table provides information on loans that entered a loan modification program during the periods presented:
		Three months ended June 30,								Six months ended June 30,
	($ in millions)	2014				2013				2014				2013
	Credit cards	$	97			$	110			$	204			$	274
	Consumer installment loans	—				6				—				17
	Commercial credit products	—				1				2				4
	Total	$	97			$	117			$	206			$	295
	Loans classified as TDRs are recorded at their present value with impairment measured as the difference between the loan balance and the discounted present value of cash flows expected to be collected. Consistent with our measurement of impairment of modified loans on a collective basis, the discount rate used for credit card loans is the original effective interest rate. Interest income from loans accounted for as TDRs is accounted for in the same manner as other accruing loans.
	The following table provides information about loans classified as TDRs and specific reserves. We do not evaluate credit card loans for impairment on an individual basis, but instead estimate an allowance for loan losses on a collective basis. As a result, there are no impaired loans for which there is no allowance.
At June 30, 2014 ($ in millions)	Total recorded				Related allowance				Net recorded investment				Unpaid principal balance
	investment
Credit cards	$	723			$	(214	)		$	509			$	634
Consumer installment loans	—				—				—				—
Commercial credit products	10				(3		)		7				9
Total	$	733			$	(217	)		$	516			$	643
At December 31, 2013 ($ in millions)	Total recorded				Related allowance				Net recorded investment				Unpaid principal balance
	investment
Credit cards	$	799			$	(246	)		$	553			$	692
Consumer installment loans	—				—				—				—
Commercial credit products	12				(5		)		7				12
Total	$	811			$	(251	)		$	560			$	704
Financial Effects of TDRs
As part of our loan modifications for borrowers experiencing financial difficulty, we may provide multiple concessions to minimize our economic loss and improve long-term loan performance and collectability. The following tables present the types and financial effects of loans modified and accounted for as TDRs during the periods presented:
Three months ended June 30,	2014										2013
($ in millions)	Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment				Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment
Credit cards	$	14		$	35		$	749			$	23		$	44		$	860
Consumer installment loans	—			—			—				1			1			67
Commercial credit products	—			1			11				—			—			15
Total	$	14		$	36		$	760			$	24		$	45		$	942
Six months ended June 30,	2014										2013
($ in millions)	Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment				Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment
Credit cards	$	29		$	71		$	766			$	45		$	88		$	857
Consumer installment loans	—			—			—				1			2			65
Commercial credit products	—			1			11				—			—			12
Total	$	29		$	72		$	777			$	46		$	90		$	934
Payment Defaults
The following table presents the type, number and amount of loans accounted for as TDRs that enrolled in a modification plan within the previous 12 months and experienced a payment default during the periods presented. A customer defaults from a modification program after two consecutive missed payments.
Three months ended June 30,	2014							2013
($ in millions)	Accounts defaulted			Loans defaulted				Accounts defaulted			Loans defaulted
Credit cards	12,943			$	25			22,264			$	38
Consumer installment loans	—			—				64			2
Commercial credit products	57			1				102			1
Total	13,000			$	26			22,430			$	41
Six months ended June 30,	2014							2013
($ in millions)	Accounts defaulted			Loans defaulted				Accounts defaulted			Loans defaulted
Credit cards	24,944			$	49			39,289			$	69
Consumer installment loans	—			—				120			3
Commercial credit products	105			1				187			1
Total	25,049			$	50			39,596			$	73
Credit Quality Indicators
Our loan receivables portfolio includes both secured and unsecured loans. Secured loan receivables are largely comprised of consumer installment loans secured by equipment. Unsecured loan receivables are largely comprised of our open-ended revolving credit card and commercial loans. As part of our credit risk management activities, on an ongoing basis, we assess overall credit quality by reviewing information related to the performance of a customer’s account with us, as well as information from credit bureaus, such as a Fair Isaac Corporation (“FICO”) or other credit scores, relating to the customer’s broader credit performance. FICO scores are generally obtained at origination of the account and are refreshed, at a minimum quarterly, but could be as often as weekly, to assist in predicting customer behavior. Beginning in 2014, we refined the categories of FICO scores we use to better align to the categories used across our industry. We now categorize these credit scores into the following three credit score categories: (i) 661 or higher, which are considered the strongest credits; (ii) 601 to 660, considered moderate credit risk; and (iii) 600 or less, which are considered weaker credits. There are certain customer accounts for which a FICO score is not available where we use alternative sources to assess their credit and predict behavior. The following table provides the most recent FICO scores available for our customers at June 30, 2014 and December 31, 2013, as a percentage of each class of loan receivable. We have reclassified the categories at December 31, 2013 to conform to the current period classification. The table below excludes 0.8% and 1.1% of our total loan receivables balance at June 30, 2014 and December 31, 2013, respectively, which represents those customer accounts for which a FICO score is not available.
	June 30, 2014									December 31, 2013
	661 or			601 to			600 or			661 or			601 to			600 or
	higher			660			less			higher			660			less
Credit cards	72.5	%		20	%		7.5	%		71.7	%		20	%		8.3	%
Consumer installment loans	79.9	%		15	%		5.1	%		78.2	%		15.5	%		6.3	%
Commercial credit products	86.5	%		8.6	%		4.9	%		85.3	%		9.4	%		5.3	%
Unfunded Lending Commitments
We manage the potential risk in credit commitments by limiting the total amount of credit, both by individual customer and in total, by monitoring the size and maturity of our portfolios and by applying the same credit standards for all of our credit products. Unused credit card lines available to our customers totaled $290 billion and $277 billion at June 30, 2014 and December 31, 2013, respectively. While these amounts represented the total available unused credit card lines, we have not experienced and do not anticipate that all of our customers will access their entire available line at any given point in time.
Interest Income by Product
The following table provides additional information about our interest and fees on loans from our loan receivables:
	Three months ended June 30,								Six months ended June 30,
($ in millions)	2014				2013				2014				2013
Credit cards	$	2,860			$	2,612			$	5,727			$	5,240
Consumer installment loans	24				33				47				67
Commercial credit products	36				36				74				73
Other	—				—				—				—
Total	$	2,920			$	2,681			$	5,848			$	5,380

Variable_Interest_Entities

Variable Interest Entities	6 Months Ended
	Jun. 30, 2014
Variable Interest Entities [Abstract]	'
Variable Interest Entities	'
	VARIABLE INTEREST ENTITIES
	We use variable interest entities (“VIEs”) to securitize loans and arrange asset-backed financing in the ordinary course of business. Investors in these entities only have recourse to the assets owned by the entity and not to our general credit. We do not have implicit support arrangements with any VIE and we did not provide non-contractual support for previously transferred loan receivables to any VIE in the three and six months ended June 30, 2014 and 2013. Our VIEs are able to accept new loan receivables and arrange new asset-backed financings, consistent with the requirements and limitations on such activities placed on the VIE by existing investors. Once an account has been designated to a VIE, the contractual arrangements we have require all existing and future loans originated under such account to be transferred to the VIE. The amount of loan receivables held by our VIEs in excess of the minimum amount required under the asset-backed financing arrangements with investors may be removed by us under random removal of accounts provisions. All loan receivables held by a VIE are subject to claims of third-party investors.
	In evaluating whether we have the power to direct the activities of a VIE that most significantly impact its economic performance, we consider the purpose for which the VIE was created, the importance of each of the activities in which it is engaged and our decision-making role, if any, in those activities that significantly determine the entity’s economic performance as compared to other economic interest holders. This evaluation requires consideration of all facts and circumstances relevant to decision-making that affects the entity’s future performance and the exercise of professional judgment in deciding which decision-making rights are most important.
	In determining whether we have the right to receive benefits or the obligation to absorb losses that could potentially be significant to a VIE, we evaluate all of our economic interests in the entity, regardless of form (debt, equity, management and servicing fees, and other contractual arrangements). This evaluation considers all relevant factors of the entity’s design, including: the entity’s capital structure, contractual rights to earnings (losses), subordination of our interests relative to those of other investors, as well as any other contractual arrangements that might exist that could have the potential to be economically significant. The evaluation of each of these factors in reaching a conclusion about the potential significance of our economic interests is a matter that requires the exercise of professional judgment.
	We consolidate our VIEs because we have the power to direct the activities that significantly affect the VIEs' economic performance, typically because of our role as either servicer or administrator for the VIEs. The power to direct exists because of our role in the design and conduct of the servicing of the VIE’s assets as well as directing certain affairs of the VIE, including determining whether and on what terms debt of the VIE will be issued.
	The loan receivables in these entities have risks and characteristics similar to our other financing receivables and were underwritten to the same standard. Accordingly, the performance of these assets has been similar to our other comparable loan receivables; however, the blended performance of the pools of receivables in these entities reflects the eligibility criteria that we apply to determine which receivables are selected for transfer. Contractually, the cash flows from these financing receivables must first be used to pay third-party debt holders, as well as other expenses of the entity. Excess cash flows are available to us. The creditors of these entities have no claim on our other assets.
	The table below summarizes the assets and liabilities of our consolidated securitization VIEs described above.
	($ in millions)	June 30, 2014		December 31, 2013
	Assets
	Loan receivables, net(a)	$	25,334	$	24,766
	Loan receivables held for sale	570		—
	Other assets	327		20
	Total	$	26,231	$	24,786
	Liabilities
	Borrowings	$	15,114	$	15,362
	Other liabilities	338		228
	Total	$	15,452	$	15,590
	_______________________
	(a)	Includes $1,259 million and $1,305 million of related allowance for loan losses resulting in gross restricted loans of $26,593 million and $26,071 million at June 30, 2014 and December 31, 2013, respectively.
	The balances presented above are net of intercompany balances and transactions that are eliminated in our condensed consolidated and combined financial statements.
	We provide and, for one of our securitization entities, GECC provides servicing to these VIEs. Historically, the applicable servicer of each of these VIEs was contractually permitted to commingle cash collected from customers on loan receivables owned by the VIEs with our own cash prior to payment to a VIE, subject to certain credit rating requirements. Beginning in 2014, we stopped commingling cash with our VIEs and collections are required to be placed into segregated accounts owned by each VIE in amounts that meet contractually specified minimum levels. These segregated funds are invested in cash and cash equivalents and are restricted as to their use, principally to pay maturing principal and interest on debt and the servicing fees. Collections above these minimum levels are remitted to us on a daily basis. At June 30, 2014, the segregated funds held by these VIEs were $131 million and were classified as restricted cash and included as a component of other assets in our Condensed Consolidated and Combined Statement of Financial Position. In addition, amounts owing to the VIEs from GECC, as servicer, of $165 million are included as a component of other assets at June 30, 2014.
	These VIEs also owe us amounts for purchased loan receivables and amounts due to us under the equity and other interests we have in the VIEs. At June 30, 2014 and December 31, 2013, the amounts we owed to these VIEs were $53 million and $4,071 million, respectively. At June 30, 2014 and December 31, 2013 the amounts owed to us by the VIEs were $280 million and $3,341 million, respectively. These intercompany balances have been eliminated in our condensed consolidated and combined financial statements.
	Income (principally, interest and fees on loans) earned by our consolidated VIEs was $1,234 million and $1,288 million for the three months ended June 30, 2014 and 2013, respectively. Related expenses consisted primarily of provisions for loan losses of $253 million and $215 million for the three months ended June 30, 2014 and 2013, respectively, and interest expense of $54 million and $55 million for the three months ended June 30, 2014 and 2013, respectively. Income (principally, interest and fees on loans) earned by our consolidated VIEs was $2,502 million and $2,587 million for the six months ended June 30, 2014 and 2013, respectively. Related expenses consisted primarily of provisions for loan losses of $546 million and $666 million for the six months ended June 30, 2014 and 2013, respectively, and interest expense of $101 million and $111 million for the six months ended June 30, 2014 and 2013, respectively. These amounts do not include intercompany transactions, principally fees and interest, which are eliminated in our condensed consolidated and combined financial statements.

Intangible_Assets

Intangible Assets	6 Months Ended
	Jun. 30, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
Intangible Assets	'
	INTANGIBLE ASSETS
		30-Jun-14							December 31, 2013
	($ in millions)	Gross carrying amount		Accumulated amortization			Net		Gross carrying amount		Accumulated amortization			Net
	Customer-related	$	787	$	(355	)	$	432	$	586	$	(312	)	$	274
	Capitalized software	67		(36		)	31		55		(29		)	26
	Total	$	854	$	(391	)	$	463	$	641	$	(341	)	$	300
	Customer-related intangible assets primarily relate to retail partner contract acquisitions and extensions, as well as purchased credit card relationships. During the six months ended June 30, 2014, we recorded additions to customer-related intangible assets subject to amortization of $204 million, primarily related to payments made to extend certain retail partner relationships. These additions had a weighted average amortizable life of 8 years.
	Amortization expense related to retail partner contracts was $18 million and $16 million for the three months ended June 30, 2014 and 2013, respectively, and $37 million and $30 million for the six months ended June 30, 2014 and 2013, respectively, and is included as a component of marketing and business development expense in our Condensed Consolidated and Combined Statements of Earnings. All other amortization expense was $7 million and $5 million for the three months ended June 30, 2014 and 2013, respectively, and $13 million and $10 million for the six months ended June 30, 2014 and 2013, respectively, and is included as a component of other expense in our Condensed Consolidated and Combined Statements of Earnings.

Deposits_and_Borrowings

Deposits and Borrowings	6 Months Ended
	Jun. 30, 2014
Banking and Thrift [Abstract]	'
Deposits and Borrowings	'
	DEPOSITS AND BORROWINGS
	The tables below summarize the components of our deposits, borrowings of consolidated securitization entities and related party debt at June 30, 2014 and December 31, 2013. The amounts presented for outstanding borrowings include unamortized debt premiums and discounts.
	Deposits
		June 30, 2014					December 31, 2013
	($ in millions)	Amount		Average			Amount			Average
				rate (a)						rate (a)
	Interest bearing deposits	$	30,258	1.5	%		$	25,360		1.7	%
	Non-interest bearing deposits	204		—			359			—
	Total deposits	$	30,462				$	25,719
	___________________
	(a)	Based on interest expense for the six months ended June 30, 2014 and the year ended December 31, 2013 and average deposits balances.
	At June 30, 2014 and December 31, 2013, interest-bearing deposits included $7,771 million and $5,695 million, respectively, of direct deposit certificates of $100,000 or more. At June 30, 2014, our interest-bearing time deposits maturing for the remainder of 2014 and over the next four years and thereafter were as follows:
	($ in millions)	2014			2015				2016			2017		2018		Thereafter
	Deposits	$	4,805		$	8,850			$	2,178		$	2,486	$	1,884	$	4,605
	In addition, at June 30, 2014, we had $1,042 million of broker network deposit sweeps procured through a program arranger who channels brokerage account deposits to us. Unless extended, the contracts associated with these broker network deposit sweeps will terminate in 2014 and 2015, representing $262 million and $780 million, respectively.
	Borrowings
		June 30, 2014					December 31, 2013
	($ in millions)	Amount		Average			Amount			Average
				rate (a)						rate (a)
	Borrowings of consolidated	$	15,114	1.4	%		$	15,362		1.3	%
	securitization entities
	Related party debt	7,859		2.2	%		8,959			1.7	%
	Total borrowings	$	22,973				$	24,321
	___________________
	(a)	Based on interest expense for the six months ended June 30, 2014 and the year ended December 31, 2013 and average borrowings balances.
	Borrowings of Consolidated Securitization Entities
	We securitize credit card receivables as an additional source of funding. During the six months ended June 30, 2014, we amended the terms of $4,640 million of borrowings, primarily to extend maturities and increase the availability of secured borrowing commitments. The maturities of the borrowings of our consolidated securitization entities following these amendments and at June 30, 2014, were as follows:
	($ in millions)	2014			2015				2016			2017		2018		Thereafter
	Borrowings of consolidated securitization entities	$	626		$	2,612			$	1,779		$	8,134	$	800	$	1,163
	In addition, at June 30, 2014, we had an aggregate of approximately $5.6 billion of undrawn committed capacity under our securitization programs.
	During the six months ended June 30, 2014 and 2013, we completed new debt issuances through our securitized entities with proceeds of $3,400 million and $866 million, respectively.
	Related Party Debt
	In connection with the IPO, all outstanding related party debt at the date of the closing of the IPO was repaid, and we entered into new long-term debt arrangements with third parties and GECC. See Note 15. Subsequent Events for additional information.
	At December 31, 2013, related party debt included $195 million of debt issued by one of our securitization entities that was held by GECC affiliates. This debt was repurchased by the Company during the six months ended June 30, 2014 and is now eliminated in our condensed consolidated and combined financial statements.
	Revolving Credit Agreements
	The Company’s historic funding arrangements with GECC have included five revolving credit facilities (the “GECC Revolving Credit Facilities”) between GECC (or certain of its subsidiaries) and the Bank (or certain of its subsidiaries) pursuant to which the Bank could borrow up to an aggregate of $10 billion. All amounts outstanding under the GECC Revolving Credit Facilities were repaid at the date of the closing of the IPO, and on September 4, 2014, following receipt of a non-objection from the Office of the Comptroller of the Currency (“OCC”) and as previously contemplated in our Registration Statement, these facilities were terminated and replaced with a new $6.0 billion intercompany revolving credit facility between the Company and the Bank. Borrowings under the new intercompany facility will be eliminated in our consolidated financial statements.
	In addition, the Bank is a party to two separate revolving credit agreements, each with a different third party lender and each of which provides the Bank with an unsecured revolving line of credit of up to $500 million. GECC has guaranteed the Bank's payment obligations under these agreements. There were no borrowings under these agreements for the periods presented and we currently anticipate that these agreements will be terminated in the third quarter of 2014.

Fair_Value_Measurements

Fair Value Measurements	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value Measurements	'
	FAIR VALUE MEASUREMENTS
	For a description of how we estimate fair value, see Note 2. Basis of Presentation and Summary of Significant Accounting Policies in our 2013 annual combined financial statements in our Registration Statement.
	The following tables present our assets and liabilities measured at fair value on a recurring basis. Included in the tables are debt and equity securities.
	Recurring Fair Value Measurements
	The following tables present our assets measured at fair value on a recurring basis.
	At June 30, 2014 ($ in millions)	Level 1		Level 2			Level 3			Total
	Assets
	Investment securities
	Debt
	State and municipal	$	—	$	—		$	56		$	56
	Residential mortgage-backed	—		227			—			227
	Equity	15		—			—			15
	Total	$	15	$	227		$	56		$	298
	At December 31, 2013 ($ in millions)
	Assets
	Investment securities
	Debt
	State and municipal	$	—	$	—		$	46		$	46
	Residential mortgage-backed	—		175			—			175
	Equity	15		—			—			15
	Total	$	15	$	175		$	46		$	236
	For the six months ended June 30, 2014 there were no securities transferred between Level 1 and Level 2 or between Level 2 and Level 3. At June 30, 2014 and December 31, 2013, we did not have any liabilities measured at fair value on a recurring basis.
	Our Level 3 recurring fair value measurements relate to state and municipal debt instruments, which are valued using non-binding broker quotes or other third-party sources. For a description of our process to evaluate third-party pricing servicers, see Note 2. Basis of Presentation and Summary of Significant Accounting Policies in our 2013 annual combined financial statements in our Registration Statement. Our state and municipal debt securities are classified as available-for-sale with changes in fair value included in accumulated other comprehensive income.
	The following table presents the changes in our state and municipal debt instruments that are measured on a recurring basis for the three and six months ended June 30, 2014 and 2013.
	Changes in Level 3 Instruments
		Three months ended June 30,					Six months ended June 30,
	($ in millions)	2014		2013			2014			2013
	Balance at beginning of period	$	53	$	40		$	46		$	39
	Net realized/unrealized gains (losses) included in accumulated other comprehensive income	3		(3		)	4			(3		)
	Purchases	—		12			8			13
	Settlements	—		—			(2		)	—
	Balance at end of period	$	56	$	49		$	56		$	49
	Non-Recurring Fair Value Measurements
	We hold certain assets that have been remeasured to fair value on a non-recurring basis during the six months ended and held at June 30, 2014 and 2013. These assets can include repossessed assets and cost method investments that are written down to fair value when they are impaired, as well as loans held-for-sale. Assets that are written down to fair value when impaired are not subsequently adjusted to fair value unless further impairment occurs. The assets held by us that were remeasured to fair value on a non-recurring basis and the effects of the remeasurement to fair value were not material for all periods presented. The estimated fair value of loan receivables held for sale exceeded their amortized cost and accordingly a remeasurement to fair value was not required during the six months ended June 30, 2014.
	Financial Assets and Financial Liabilities Carried at Other than Fair Value
		Carrying		Corresponding fair value amount
	At June 30, 2014 ($ in millions)	value		Total			Level 1			Level 2			Level 3
	Financial Assets
	Financial assets for which carrying values equal or approximate fair value:
	Cash and equivalents	$	6,782	$	6,782		$	6,782
	Other assets(a)	$	187	$	187		$	187
	Financial assets carried at other than fair value:
	Loan receivables, net	$	51,867	$	57,909								$	57,909
	Loan receivables held for sale	$	1,458	$	1,588								$	1,588
	Financial Liabilities
	Financial liabilities carried at other than fair value:
	Deposits	$	30,462	$	30,936					$	30,936
	Borrowings of consolidated securitization entities	$	15,114	$	15,163					$	7,594		$	7,569
	Related party debt(b)	$	7,859	$	7,859								$	7,859
		Carrying		Corresponding fair value amount
	At December 31, 2013 ($ in millions)	value		Total			Level 1			Level 2			Level 3
	Financial Assets
	Financial assets for which carrying values equal or approximate fair value:
	Cash and equivalents	$	2,319	$	2,319		$	2,319
	Other assets(a)	$	76	$	76		$	76					$	—
	Financial assets carried at other than fair value:
	Loan receivables, net	$	54,362	$	60,344								$	60,344
	Financial Liabilities
	Financial liabilities carried at other than fair value:
	Deposits	$	25,719	$	25,994					$	25,994		$	—
	Borrowings of consolidated securitization entities	$	15,362	$	15,308					$	8,206		$	7,102
	Related party debt(b)	$	8,959	$	209					$	209		$	—
	_______________________
(a)	This balance relates to restricted cash which is included in other assets.
(b)	Carrying value approximates fair value as the debt earns a floating rate and had an expected repayment date that coincided with the IPO closing on August 5, 2014. The fair value of the related party debt at December 31, 2013 relates to $195 million of debt issued by one of our securitization entities which was held by a GECC affiliate. This related party debt was repurchased by the Company during the six months ended June 30, 2014 and is now eliminated in our condensed consolidated and combined financial statements at June 30, 2014.
The following is a description of the valuation techniques used to estimate the fair values of the financial assets and liabilities carried at other than fair value.
Loan receivables, net
In estimating the fair value for our loans, we use a discounted future cash flow model. We use various inputs including estimated interest and fee income, payment rates, loss rates and discount rates (which consider current market interest rate data adjusted for credit risk and other factors) to estimate the fair values of loans.  Under certain retail partner program agreements, the expected sales proceeds related to the sale of their credit card portfolio are limited to the amounts owed by our customers, which is less than the fair value indicated above.
Deposits
For demand deposits with no defined maturity, carrying value approximates fair value due to the potentially liquid nature of these deposits. For fixed-maturity certificates of deposit, fair values are estimated by discounting expected future cash flows using market rates currently offered for deposits with similar remaining maturities.
Borrowings
Fair values of borrowings of consolidated securitization entities, as well as related party debt issued by one of our securitization entities which was held by a GECC affiliate at December 31, 2013, are based on valuation methodologies using current market interest rate data which are comparable to market quotes adjusted for our non-performance risk.

Regulatory_and_Capital_Adequac

Regulatory and Capital Adequacy	6 Months Ended
	Jun. 30, 2014
Banking and Thrift [Abstract]	'
Regulatory and Capital Adequacy	'
	REGULATORY AND CAPITAL ADEQUACY
	As a savings and loan holding company, we are subject to extensive regulation, supervision and examination by the Federal Reserve Board. The Bank is a federally chartered savings association. As such, the Bank is subject to extensive regulation, supervision and examination by the OCC, which is its primary regulator, and by the Consumer Financial Protection Bureau (“CFPB”). In addition, the Bank, as an insured depository institution, is supervised by the Federal Deposit Insurance Corporation .
	As a savings and loan holding company, we historically have not been required to maintain any specific amount of minimum capital. Beginning as early as 2015, however, we expect that we will be subject to capital requirements similar to those applicable to the Bank. See Note 10. Regulatory and Capital Adequacy to our 2013 annual combined financial statements in our Registration Statement for additional information on these capital requirements.
	Failure to meet minimum capital requirements can initiate certain mandatory and, possibly, additional discretionary actions by regulators that, if undertaken, could limit our business activities and have a material adverse effect on our financial statements. Under capital adequacy guidelines, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
	Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined).
	At June 30, 2014 and December 31, 2013, the Bank met all applicable requirements to be deemed well-capitalized pursuant to OCC regulations and for purposes of the Federal Deposit Insurance Act. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and leverage ratios as set forth in the following table. There are no conditions or events subsequent to June 30, 2014 that management believes have changed the Bank’s capital category.
	The actual capital amounts and ratios and the required minimums of the Bank are as follows:
	At June 30, 2014 ($ in millions)	Actual				Minimum for capital				Minimum to be well-capitalized under prompt corrective action provisions
						adequacy purposes(b)
		Amount		Ratio(a)		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	6,393	17.8	%	$	2,877	8	%	$	3,596	10	%
	Tier 1 risk-based capital	$	5,924	16.5	%	$	1,439	4	%	$	2,158	6	%
	Tier 1 leverage	$	5,924	13.8	%	$	1,717	4	%	$	2,146	5	%
	At December 31, 2013 ($ in millions)	Actual				Minimum for capital				Minimum to be well-capitalized under prompt corrective action provisions
						adequacy purposes(b)
		Amount		Ratio(a)		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	6,010	17.3	%	$	2,784	8	%	$	3,480	10	%
	Tier 1 risk-based capital	$	5,559	16	%	$	1,392	4	%	$	2,088	6	%
	Tier 1 leverage	$	5,559	14.9	%	$	1,495	4	%	$	1,869	5	%
	_______________________
	(a)	Represent Basel I capital ratios calculated for the Bank.
	(b)	In addition to the Basel I requirements, under the Bank’s Operating Agreement with the OCC entered into on January 11, 2013, the Bank must maintain minimum levels of capital as follows:
	($ in millions)	At June 30, 2014				At December 31, 2013
		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	3,956	11	%	$	3,828	11	%
	Tier 1 risk-based capital	$	2,518	7	%	$	2,436	7	%
	Tier 1 leverage	$	2,576	6	%	$	2,243	6	%
	The Bank may pay dividends on its stock, with consent or non-objection from the OCC and the Federal Reserve Board, among other things, if its regulatory capital would not thereby be reduced below the amount then required by the applicable regulatory capital requirements. The Bank met all regulatory capital adequacy requirements to which it was subject at June 30, 2014 and December 31, 2013.

Earnings_Per_Share_Earnings_Pe

Earnings Per Share Earnings Per Share	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Earnings Per Share	'
	EARNINGS PER SHARE
	Basic earnings per share is computed by dividing earnings available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the assumed conversion of all dilutive securities.
	The following table presents the calculation of basic and diluted earnings per share:
		Three months ended June 30,				Six months ended June 30,
	(in millions, except per share data)	2014		2013		2014		2013
	Net earnings	$	472	$	536	$	1,030	$	895
	Weighted-average common shares outstanding, basic	705		705		705		705
	Effect of dilutive securities	—		—		—		—
	Weighted-average common shares outstanding, dilutive	705		705		705		705
	Earnings per basic common share	$	0.67	$	0.76	$	1.46	$	1.27
	Earnings per diluted common share	$	0.67	$	0.76	$	1.46	$	1.27
	In July 2014, in preparation for the IPO, we completed a stock split pursuant to which each share held by the holder of our common stock was reclassified into 5,262.3512 shares. The weighted-average number of common shares outstanding included in the table above reflects the effects of the stock split for all periods presented. There were no dilutive or anti-dilutive securities outstanding during the three and six month periods ended June 30, 2014 and 2013, respectively.

Income_Taxes

Income Taxes	6 Months Ended
	Jun. 30, 2014
Income Tax Disclosure [Abstract]	'
Income Taxes	'
	INCOME TAXES
	We are included in the consolidated U.S. federal and state income tax returns of GE where applicable, but also file certain separate state and foreign income tax returns. The tax provision and current and deferred tax balances have been presented on a separate company basis as if we were a separate filer for tax purposes. In calculating the provision for interim income taxes, in accordance with Accounting Standards Codification 740, Income Taxes, we apply an estimated annual effective tax rate to year-to-date ordinary income. At the end of each interim period, we estimate the effective tax rate expected to be applicable for the full fiscal year.
	We recorded an income tax provision of $292 million (38.2% effective income tax rate) for the three months ended June 30, 2014, compared with an income tax provision of $320 million (37.4% effective income tax rate) for the three months ended June 30, 2013. The effective tax rate for the three months ended June 30, 2014 differs from the effective tax rate in the same period in the previous year primarily due to certain non-deductible expenses and an item related to an internal corporate reorganization. In each period the effective tax rate differs from the U.S. federal statutory tax rate of 35.0% primarily due to state income taxes.
	We recorded an income tax provision of $624 million (37.7% effective income tax rate) for the six months ended June 30, 2014, compared with an income tax provision of $534 million (37.4% effective income tax rate) for the six months ended June 30, 2013. The effective tax rate for the six months ended June 30, 2014 differs from the effective tax rate in the same period in the previous year primarily due to certain non-deductible expenses and an item related to an internal corporate reorganization, partially offset by an increase in foreign tax benefits. In each period, the effective tax rate differs from the U.S. federal statutory tax rate of 35.0% primarily due to state income taxes.
	The Company is under continuous examination by the Internal Revenue Service (“IRS”) and the tax authorities of various states as part of their audit of GE’s tax returns. The IRS is currently auditing our consolidated U.S. income tax returns for 2010 and 2011. In addition, certain issues and refund claims for previous years are still unresolved. During 2013, the IRS completed the audit of GE’s consolidated U.S. income tax returns for 2008 and 2009, except for certain issues that remain under examination. We are under examination in various states going back to 2006. We believe that there are no issues or claims that are likely to be material to our results of operations, financial positions or cash flows. We further believe that we have made adequate provision for all income tax uncertainties that could result from such examinations.
	At June 30, 2014 and December 31, 2013, our unrecognized tax benefits, excluding related interest expense and penalties, were $232 million and $202 million, respectively, of which $153 million and $131 million, respectively, if recognized, would reduce the annual effective rate. Included in the amount of unrecognized tax benefits are certain items that would not affect the effective tax rate if they were recognized in our Condensed Consolidated and Combined Statements of Earnings. These unrecognized items include the portion of gross state and local unrecognized tax benefits that would be offset by the benefit from associated U.S. federal income tax deductions. It is reasonably possible that the gross balance of unrecognized tax benefits may decrease by $29 million within the next 12 months.
	In connection with the IPO, we entered into a Tax Sharing and Separation Agreement, which governs certain separation-related tax matters between us and GE following the IPO. See Note 15. Subsequent Events for additional information on this agreement.

Related_Party_Transactions_and

Related Party Transactions and Parents' Net Investment	6 Months Ended
	Jun. 30, 2014
Related Party Transactions [Abstract]	'
Related Party Transactions and Parents' Net Investment	'
	RELATED PARTY TRANSACTIONS AND PARENT’S NET INVESTMENT
	In connection with the IPO, on July 30, 2014 we entered into a Master Agreement with GECC, and for certain limited purposes only, GE (the “Master Agreement”). Pursuant to the Master Agreement, we entered into various other agreements with GECC and GE that, together with the Master Agreement and a number of existing agreements relating to our securitized financings that remain in effect following our IPO, govern the relationship among GECC, GE and us for periods subsequent to the IPO. See Note 15. Subsequent Events for additional information on these agreements. We also repaid all of our existing related party debt owed to GECC outstanding on the closing date of the IPO, totaling $8.0 billion (of which $7.9 billion was outstanding at June 30, 2014), and entered into the New GECC Term Loan Facility, pursuant to which GECC provided us with transitional funding of $1.5 billion, of which $0.1 billion was prepaid with a portion of the net proceeds from our issuance of $3.6 billion of unsecured senior notes.
	Prior to the IPO, GE and its subsidiaries, including GECC, provided a variety of services and funding to us. All of the related party costs and expenses incurred by us for the three and six months ended June 30, 2014 and 2013 disclosed in the table below relate to these historical arrangements. The following table sets forth the direct costs, indirect costs and interest expenses related to services and funding provided by GE for the periods indicated.
	($ in millions)	Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Direct costs(a)	$	62	$	56	$	126	$	103
	Indirect costs(a)	73		56		134		109
	Interest expense(b)	43		30		90		73
	Total expenses for services and funding provided by GECC	$	178	$	142	$	350	$	285
	_______________________
	(a)	Direct and indirect costs are included in the other expense line items in our Condensed Consolidated and Combined Statements of Earnings.
	(b)	Included in interest expense in our Condensed Consolidated and Combined Statements of Earnings.
	Direct Costs. Direct costs are costs associated with either services provided directly to us that are centralized at GE or services provided to us by third parties under contracts entered into by GE. These services included the provision of employee benefits and benefit administration; information technology services; telecommunication services; and other services, including leases for vehicles, equipment and facilities. GE allocated the costs associated with these services to us using established allocation methodologies. See Note 14. Related Party Transactions and Parent’s Net Investment to our 2013 annual combined financial statements in our Registration Statement for additional information on these allocation methodologies.
	Indirect Costs. GE and GECC allocated costs to us related to corporate overhead that directly or indirectly benefitted our business. These assessments related to information technology, insurance coverage, tax services provided, executive incentive payments, advertising and branding and other functional support. These allocations were determined primarily using our percentage of GECC’s relevant expenses.
	Interest Expense.    We used related party debt provided by GECC to meet our funding requirements after taking into account deposits held at the Bank, funding from securitized financings and cash generated from our operations. GECC assessed us an interest cost on a portion of the Parent’s total investment and historically we have reflected that portion as related party debt in the Condensed Consolidated and Combined Statements of Financial Position. Interest cost is assessed to us from GECC’s centralized treasury function based on fixed and floating interest rates, plus funding related costs that include charges for liquidity and other treasury costs. In June 2014, we entered into an agreement with GECC to formalize our related party debt arrangements and align the Company's legal entity debt with the related party debt previously allocated to us by GECC. As a result, at June 30, 2014, related party debt is presented based on the amounts owed by the Company, on a legal entity basis, to GECC. All related party debt owed by the Company to GECC outstanding on the closing date of the IPO was repaid in August 2014.
	We incurred borrowing costs for related party debt of $43 million and $30 million for the three months ended June 30, 2014 and 2013, respectively, and $90 million and $73 million for the six months ended June 30, 2014 and 2013, respectively. Our average cost of funds for related party debt was 2.2% and 1.4% for the three months ended June 30, 2014 and 2013, respectively, and 2.2% and 1.7% for the six months ended June 30, 2014 and 2013, respectively.
	Other Related Party Transactions
	GECC is the servicer for one of our securitization entities. We perform substantially all of the servicing functions with respect to this entity pursuant to a subservicing agreement with GECC. Under these servicing arrangements, collections associated with the securitized loan receivables are routinely transferred between the Company and GECC. As a result, at June 30, 2014, we recorded a related party receivable and payable of $165 million and $186 million, respectively, in our Condensed Consolidated and Combined Statement of Financial Position.
	In addition to the related party activities described above, we are party to certain cash management and payment processing arrangements with GE and GECC. Historically, most of our cash and equivalents that were not held for purposes of funding the Bank’s liquidity requirements were transferred to GECC on a daily basis and GECC subsequently funded the operating and investing activities of our business as needed. This does not impact our Condensed Consolidated and Combined Statements of Earnings. During the six months ended June 30, 2014, we retained additional cash and equivalents in excess of the minimum amounts required for the Bank’s liquidity requirements in preparation for the IPO. Following the IPO, we no longer transfer cash and equivalents to GECC, other than for purposes of the servicing arrangement discussed above.
	GE also makes payments for our payroll for our employees, corporate credit card bills and freight expenses through a centralized payment system and we reimburse GE in full for the amounts paid. Such expenses are included in other expense across the relevant categories in our Condensed Consolidated and Combined Statements of Earnings and are directly attributable to our business and our employees.
	Parent’s Net Investment
	At December 31, 2013, the remainder of our Parent’s total investment, in excess of our related party debt is reflected as equity under the caption, Parent’s net investment, in our Condensed Consolidated and Combined Statements of Financial Position. At June 30, 2014, GECC's equity ownership is reflected in Common stock and Additional paid in capital in our Condensed Consolidated and Combined Statements of Financial Position.

Legal_Proceedings_and_Regulato

Legal Proceedings and Regulatory Matters	6 Months Ended
	Jun. 30, 2014
Commitments and Contingencies Disclosure [Abstract]	'
Legal Proceedings and Regulatory Matters	'
	LEGAL PROCEEDINGS AND REGULATORY MATTERS
	In the normal course of business, from time to time, we have been named as a defendant in various legal proceedings, including arbitrations, class actions and other litigation, arising in connection with our business activities. Certain of the legal actions include claims for substantial compensatory and/or punitive damages, or claims for indeterminate amounts of damages. We are also involved, from time to time, in reviews, investigations and proceedings (both formal and informal) by governmental agencies regarding our business (collectively, “regulatory matters”), which could subject us to significant fines, penalties, obligations to change our business practices or other requirements resulting in increased expenses, diminished income and damage to our reputation. We contest liability and/or the amount of damages as appropriate in each pending matter. In accordance with applicable accounting guidance, we establish an accrued liability for legal and regulatory matters when those matters present loss contingencies which are both probable and estimable.
	Legal proceedings and regulatory matters are subject to many uncertain factors that generally cannot be predicted with assurance, however, and we may be exposed to losses in excess of any amounts accrued.
	For some matters, we are able to determine that an estimated loss, while not probable, is reasonably possible. For other matters, including those that have not yet progressed through discovery and/or where important factual information and legal issues are unresolved, we are unable make such an estimate. We currently estimate that the reasonably possible losses for legal proceedings and regulatory matters, whether in excess of a related accrued liability or where there is no accrued liability, and for which we are able to estimate a possible loss, are immaterial. This represents management’s estimate of possible loss with respect to these matters and is based on currently available information. This estimate of possible loss does not represent our maximum loss exposure. The legal proceedings and regulatory matters underlying the estimate will change from time to time and actual results may vary significantly from current estimates.
	Our estimate of reasonably possible losses involves significant judgment, given the varying stages of the proceedings, the existence of numerous yet to be resolved issues, the breadth of the claims (often spanning multiple years), unspecified damages and/or the novelty of the legal issues presented. Based on our current knowledge, we do not believe that we are a party to any pending legal proceeding or regulatory matters that would have a material adverse effect on our condensed consolidated and combined financial condition or liquidity. However, in light of the uncertainties involved in such matters, the ultimate outcome of a particular matter could be material to our operating results for a particular period depending on, among other factors, the size of the loss or liability imposed and the level of our earnings for that period, and could adversely affect our business and reputation.
	Below is a description of certain of our legal proceedings and regulatory matters.
	Regulatory Matters
	On December 10, 2013, we entered into a Consent Order with the CFPB relating to our CareCredit platform, which requires us to pay up to $34.1 million to qualifying customers; provide additional training and monitoring of our CareCredit partners; include provisions in agreements with our CareCredit partners prohibiting charges for certain services not yet rendered; make changes to certain consumer disclosures, application procedures and procedures for resolution of customer complaints; and terminate CareCredit partners that have chargeback rates in excess of certain thresholds. Some of the business practice changes required by the Consent Order are similar to requirements in an Assurance of Discontinuance that we entered into with the Attorney General for the State of New York on June 3, 2013.
	Our settlements with the CFPB and the New York State Attorney General do not preclude other regulators or state attorneys general from seeking additional monetary or injunctive relief with respect to CareCredit. In this regard, in 2010 and 2012, respectively, we received formal requests for information from the Attorneys General for the states of Minnesota and New Jersey. We have cooperated fully with these inquiries.
	On June 19, 2014, we entered into a Consent Order with the CFPB (the “2014 CFPB Consent Order”) related to the CFPB’s review of the Bank’s debt cancellation products and its marketing practices in its telesales channel related to those products. The 2014 CFPB Consent Order requires us to refund $56 million to cardholders who enrolled in a debt cancellation product over the telephone from January 2010 to October 2012 ($11 million of which was refunded prior to the 2014 CFPB Consent Order), pay civil money penalties of $3.5 million, and implement a compliance plan related to the sale of “add-on” products to the extent the Bank restarts telesales of such products (which were discontinued in October 2012).
	The 2014 CFPB Consent Order also resolved a separate CFPB investigation related to potential violations of the Equal Credit Opportunity Act as a result of the Bank’s omission of certain Spanish-speaking customers and customers residing in Puerto Rico from certain statement credit and settlement offers that were made to certain delinquent customers. The Bank identified this issue through an audit of its collection operations, reported it to the CFPB and initiated a remediation program. The CFPB referred the issue to the Department of Justice (the “DOJ”), which initiated a civil investigation. At the same time we entered into the 2014 CFPB Consent Order, we entered into a consent order with the DOJ (the “2014 DOJ Consent Order,” and together with the 2014 CFPB Consent Order, the “2014 Consent Orders”) to settle a complaint that made similar allegations to those alleged in the 2014 CFPB Consent Order, filed by the DOJ on June 19, 2014 in the United States District Court for the District of Utah. The 2014 DOJ Consent Order was approved by the Court on June 26, 2014. The 2014 DOJ Consent Order is similar to the 2014 CFPB Consent Order and does not impose any additional requirements on us. The 2014 Consent Orders require us to complete our remediation program by providing additional payments, balance credits and balance waivers of approximately $37 million and to update our credit bureau reporting relating to the affected accounts. Of the approximately $169 million in total consumer remediation (including $132 million of voluntary remediations completed prior to the 2014 Consent Orders and approximately $37 million that remains to be completed), $158 million consists of balance credits and waivers to previously charged-off accounts. In addition to the consumer remediation, the 2014 Consent Orders require us to implement a fair lending compliance plan (including fair lending reviews, audits and training), which will, in part, be satisfied by our existing compliance processes.
	As we had previously reserved for amounts related to these matters, the 2014 Consent Orders did not have a material impact to our Condensed Consolidated and Combined Financial Statements for the three months ended June 30, 2014. Although we do not believe that the 2014 Consent Orders themselves will have a material adverse effect on our results of operations going forward, we cannot be sure whether the settlements will have an adverse impact on our reputation or whether any similar actions will be brought by state attorneys general or others, all of which could have a material adverse effect on us.
	Other Matters
	On September 27, 2013, Secure Axcess LLC, filed a complaint against the Bank as well as other defendants in the U.S. District Court for the Eastern District of Texas, for patent infringement related to the Bank’s alleged use of website authenticity technology referred to as “Safe Keys.” The complaint seeks unspecified damages. On April 14, 2014, the Bank filed an answer to the complaint, and on April 17, 2014, the Bank filed a motion to stay the case pending resolution of petitions filed by other parties with the U.S. Patent Office concerning the Secure Axcess patent at issue in the pending litigation. On June 26, 2014, the Court denied the Bank’s motion to stay without prejudice.
	The Bank is a defendant in five putative class actions alleging claims under the federal Telephone Consumer Protection Act (“TCPA”), where the plaintiffs assert that they received calls on their cellular telephones relating to accounts not belonging to them. In each case, the complaints allege that the Bank placed calls to consumers by an automated telephone dialing system or using a pre-recorded message or automated voice without their consent and seek up to $1,500 for each violation. The amount of damages sought in the aggregate is unspecified. Abdeljalil et al. v. GE Capital Retail Bank was filed on August 22, 2012 in the U.S. District Court for the Southern District of California, originally naming GECC as the defendant. In August 2013, the Court denied without prejudice GECC’s motion to dismiss the class allegations. GECC subsequently was dismissed and the plaintiffs amended the complaint to name the Bank as the defendant. On April 28, 2014, the plaintiffs filed a motion to certify the alleged class. Travaglio et al. v. GE Capital Retail Bank and Allied Interstate LLC was filed on January 17, 2014 in the U.S. District Court for the Middle District of Florida. On April 16, 2014, the Court stayed the action pending the disposition of the Bank's motion to compel arbitration, which was filed on April 25, 2014, along with a motion to dismiss and strike the class allegations. Since May 9, 2014, the case has been stayed in its entirety while the parties participate in mediation proceedings. Cowan v. GE Capital Retail Bank was filed on May 14, 2014 in the U.S. District Court for the District of Connecticut. On August 4, 2014, the Bank filed motions to stay and dismiss the action.  Fitzhenry v. Lowe’s Companies Inc. and GE Capital Retail Bank was filed on May 29, 2014 in the U.S. District Court for the District of South Carolina. On August 4, 2014, the Bank filed an answer and a motion to stay the action. Pittman et al. v. GE Capital d/b/a GE Capital Retail Bank was filed on July 29, 2014 in the U.S. District Court for the Northern District of Alabama.

Subsequent_Events_Subsequent_E

Subsequent Events Subsequent Events	6 Months Ended
	Jun. 30, 2014
Subsequent Events [Abstract]	'
Subsequent Events	'
	SUBSEQUENT EVENTS
	The Transactions
	In July and August 2014, we entered into the Transactions to effect the first steps in GE’s planned staged exit from our business, which we describe below.
	The IPO
	On August 5, 2014, we closed the IPO of 125 million shares of our common stock at a price to the public of $23.00 per share and on September 3, 2014, we issued an additional 3.5 million shares of our common stock pursuant to the Underwriters' Option. We received net proceeds from the IPO and the Underwriters' Option of approximately $2.8 billion. Prior to the IPO, in July 2014, we completed a stock split pursuant to which each share held by the holder of our common stock was reclassified into 5,262.3512 shares. The effects of the stock split have been reflected for all historical periods presented. Following the IPO and the Underwriters' Option, GE currently owns approximately 84.6% of our common stock.
	Debt Financings
	On August 5, 2014, we borrowed the full amount under a new term loan facility (the “New Bank Term Loan Facility”) with third party lenders that provided $8.0 billion principal amount of unsecured term loans maturing in 2019. The New Bank Term Loan Facility bears interest based upon, at our option, (i) a base rate plus a margin of 0.65% to 1.40% or (ii) a LIBOR rate plus a margin of 1.65% to 2.40%, with the margin, in each case, based on our long-term senior unsecured non-credit-enhanced debt ratings or, if such rating has not been assigned to our debt by the applicable rating agency, a corporate credit rating. The initial base rate and LIBOR margins are 0.90% and 1.90%, respectively.
	On August 5, 2014, we also borrowed the full amount under a new term loan facility (the “New GECC Term Loan Facility”) with GECC that provided $1.5 billion principal amount of unsecured term loan maturing in 2019, and we repaid all of our existing related party debt owed to GECC, outstanding on the closing date of the IPO, which totaled $8.0 billion (of which $7.9 billion was outstanding at June 30, 2014). The New GECC Term Loan Facility bears interest based upon, at our option, (i) a base rate plus a margin of 3.00% or (ii) a LIBOR rate plus a margin of 4.00%.
	On August 11, 2014, we issued a total of $3.6 billion principal amount of unsecured senior notes, comprising $0.5 billion aggregate principal amount of 1.875% senior notes due 2017, $1.1 billion aggregate principal amount of 3.000% senior notes due 2019, $0.75 billion aggregate principal amount of 3.750% senior notes due 2021, and $1.25 billion aggregate principal amount of 4.250% senior notes due 2024. We used $0.6 billion of the net proceeds from this issuance to prepay, on a pro rata basis, $0.5 billion of the New Bank Term Loan Facility and $0.1 billion of the New GECC Term Loan Facility.
	Agreements with GE and Affiliates
	In connection with the IPO, we entered into various agreements with GE and its affiliates. On July 30, 2014, we entered into a Master Agreement with GECC and, for limited purposes only, GE. The Master Agreement sets forth our agreements with GE and GECC relating to the ownership of certain assets and the allocation of certain liabilities in connection with the separation of our company from GECC. It also sets forth other agreements governing our relationship with GECC and its affiliates after the IPO. In connection with the IPO, we entered into the following agreements with GE and its affiliates:
	•	Transitional Services Agreement - pursuant to which, among other things, we and GECC provide each other, on a transitional basis, certain administrative and support services and other assistance consistent with the services we and GECC provided to each other before the IPO.
	•	Registration Rights Agreement - pursuant to which, among other things, we provided GECC with registration rights relating to shares of our common stock held by GECC or permitted transferees after the IPO.
	•	Tax Sharing and Separation Agreement - which, among other things, governs the allocation between GE and us of the responsibilities for the taxes of the GE group. The Tax Sharing and Separation Agreement also allocates rights, obligations and responsibilities in connection with certain administrative matters relating to the preparation of tax returns and control of tax audits and other proceedings relating to taxes.
	•	Employee Matters Agreement - which, among other things, governs certain employee, compensation and benefits matters among us, GECC and GE. Under the Employee Matters Agreement, among other things, the Company generally assumes or retains liabilities relating to the employment or services of any person with respect to our business before or after the completion of the IPO. The Employee Matters Agreement also generally provides for continued participation by our employees in GE benefits for so long as GE owns at least 50% of our common stock.
	•	Transitional Trademark License Agreement - pursuant to which, among other things, GE granted us a limited, non-exclusive, royalty-free, non-transferable license (with no right to sublicense) to use (i) certain marks, logos, and the GE monogram in connection with our products and services until such time as GE ceases to beneficially own more than 50% of our outstanding common stock, subject to certain exceptions and (ii) a specified tagline in connection with our products and services and in the general promotion of our business for a period of three years after GE ceases to beneficially own more than 50% of our outstanding common stock.
	•	Intellectual Property Cross License Agreement - pursuant to which, among other things, we and GE grant each other a non-exclusive, irrevocable, royalty-free, fully paid-up, worldwide, perpetual license under certain intellectual property rights that they each own or license.
	•	Subservicing Agreement - pursuant to which we will continue to act as subservicer for one of our securitization entities for which GECC provides servicing relating to loan receivables owned by the securitization entity. In connection with the IPO, we terminated all other servicing and subservicing agreements with GECC and they were replaced by the Transitional Services Agreement to the extent these services will continue to be received from, or provided to, GECC following the IPO.

Basis_of_Presentation_and_Summ1

Basis of Presentation and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2014
Accounting Policies [Abstract]	'
Basis of Presentation	'
	Basis of Presentation
	All remaining assets of our business were transferred from GECC and its subsidiaries to the Company by the end of the second quarter of 2014. As a result, the Company’s financial statements have been prepared on a consolidated basis, effective June 30, 2014. Under this basis of presentation, our financial statements consolidate all of our subsidiaries – i.e., entities in which we have a controlling financial interest, most often because we hold a majority voting interest. All subsequent periods will also be presented on a consolidated basis.
	For all periods prior to June 30, 2014, the Company's financial statements were prepared on a combined basis. The combined financial statements combine all of our subsidiaries and certain accounts of GECC and its subsidiaries that were historically managed as part of our business.
	The Condensed Consolidated and Combined Statements of Earnings reflect intercompany expense allocations made to us by GE and GECC for certain corporate functions and for shared services provided by GE and GECC. Where possible, these allocations were made on a specific identification basis, and in other cases, these expenses were allocated by GE and GECC based on relative percentages of net operating costs or some other basis depending on the nature of the allocated cost. See Note 13. Related Party Transactions and Parent’s Net Investment for further information on expenses allocated by GE and GECC.
	The historical financial results in the condensed consolidated and combined financial statements presented may not be indicative of the results that would have been achieved had we operated as a separate, stand-alone entity during those periods. The condensed consolidated and combined financial statements presented do not reflect all changes that occurred in our financing and operations in connection with or as a result of the IPO. We believe that the condensed consolidated and combined financial statements include all adjustments necessary for a fair presentation of the business.
Interim Period Presentation	'
	We label our quarterly information using a calendar convention, that is, first quarter is labeled as ending on March 31, second quarter as ending on June 30, and third quarter as ending on September 30. It is the longstanding practice of GE and GECC, our parent companies, to establish interim quarterly closing dates using a fiscal calendar, which requires our business to close its books on a Sunday. The effects of this practice are modest and only exist within a reporting year.

Investment_Securities_Tables

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]	'
Schedule of Available-for-sale Securities Reconciliation	'
	Our investment securities consist of the following:
		June 30, 2014											December 31, 2013
				Gross			Gross								Gross		Gross
		Amortized		unrealized			unrealized			Estimated			Amortized		unrealized		unrealized			Estimated
	($ in millions)	cost		gains			losses			fair value			cost		gains		losses			fair value
	Debt
	State and municipal	$	59	$	1		$	(4	)	$	56		$	53	$	—	$	(7	)	$	46
	Residential
	mortgage-backed(a)	230		2			(5		)	227			183		1		(9		)	175
	Equity	15		—			—			15			15		—		—			15
	Total	$	304	$	3		$	(9	)	$	298		$	251	$	1	$	(16	)	$	236
	_______________________
	(a)	At June 30, 2014 and December 31, 2013 all of our residential mortgage-backed securities relate to securities issued by government-sponsored entities and are pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve Discount Window advances. All residential mortgage-backed securities are collateralized by U.S. mortgages.
Available-for-sale Securities, Continuous Loss Position, Fair Value	'
	The following table presents the estimated fair values and gross unrealized losses of our available-for-sale investment securities:
		In loss position for
		Less than 12 months					12 months or more
				Gross						Gross
		Estimated		unrealized			Estimated			unrealized
	($ in millions)	fair value		losses			fair value			losses
	At June 30, 2014
	Debt
	State and municipal	$	8	$	—		$	24		$	(4	)
	Residential mortgage-backed	15		—			92			(5		)
	Total	$	23	$	0		$	116		$	(9	)
	At December 31, 2013
	Debt
	State and municipal	$	23	$	(2	)	$	20		$	(5	)
	Residential mortgage-backed	127		(7		)	20			(2		)
	Equity	14		—			—			—
	Total	$	164	$	(9	)	$	40		$	(7	)
Investments Classified by Contractual Maturity Date	'
	Contractual Maturities of Investments in Available-for-Sale Debt Securities (excluding residential mortgage-backed securities)
		Amortized		Estimated
	At June 30, 2014 ($ in millions)	cost		fair value
	Due
	Within one year	$	—	$	—
	After one year through five years	$	1	$	1
	After five years through ten years	$	1	$	1
	After ten years	$	57	$	54

Loan_Receivables_and_Allowance1

Loan Receivables and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2014
Receivables [Abstract]	'
Schedule of Accounts, Notes, Loans and Financing Receivable	'
	($ in millions)	June 30, 2014				December 31, 2013
	Credit cards	$	52,406			$	54,958
	Consumer installment loans	1,047				965
	Commercial credit products	1,405				1,317
	Other	15				14
	Total loan receivables, before allowance for losses(a)(b)	$	54,873			$	57,254
	_______________________
	(a)	Total loan receivables include $26,593 million and $26,071 million of restricted loans of consolidated securitization entities at June 30, 2014 and December 31, 2013, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
	(b)	At June 30, 2014 and December 31, 2013, loan receivables included deferred expense of $28 million and $8 million, respectively.
Allowance for Credit Losses on Financing Receivables	'
	Allowance for Loan Losses
	($ in millions)	Balance at April 1, 2014				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2014
	Credit cards	$	2,935			$	662		(a)	$	(792	)		$	134			$	2,939
	Consumer installment loans	17				7				(7		)		3				20
	Commercial credit products	46				12				(13		)		2				47
	Total	$	2,998			$	681			$	(812	)		$	139			$	3,006
	($ in millions)	Balance at April 1, 2013				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2013
	Credit cards	$	2,606			$	648			$	(707	)		$	127			$	2,674
	Consumer installment loans	63				7				(13		)		5				62
	Commercial credit products	49				11				(14		)		2				48
	Total	$	2,718			$	666			$	(734	)		$	134			$	2,784
	($ in millions)	Balance at January 1, 2014				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2014
	Credit cards	$	2,827			$	1,414		(a)	$	(1,573	)		$	271			$	2,939
	Consumer installment loans	19				9				(14		)		6				20
	Commercial credit products	46				22				(25		)		4				47
	Total	$	2,892			$	1,445			$	(1,612	)		$	281			$	3,006
	($ in millions)	Balance at January 1, 2013				Provision charged to operations				Gross charge-offs				Recoveries				Balance at June 30, 2013
	Credit cards	$	2,174			$	1,664			$	(1,439	)		$	275			$	2,674
	Consumer installment loans	62				15				(26		)		11				62
	Commercial credit products	38				34				(29		)		5				48
	Total	$	2,274			$	1,713			$	(1,494	)		$	291			$	2,784
	______________________
	(a)	Includes a $57 million reduction in provision for loan losses associated with the classification of certain loan receivables as held for sale.
Past Due Financing Receivables	'
	Delinquent and Non-accrual Loans
	At June 30, 2014 ($ in millions)	30-89 days delinquent				90 or more days delinquent				Total Past Due				90 or more days delinquent and accruing				Total non-accruing
	Credit cards	$	1,152			$	894			$	2,046			$	894			$	—
	Consumer installment loans	11				1				12				—				1
	Commercial credit products	26				13				39				13				—
	Total delinquent loans	$	1,189			$	908			$	2,097			$	907			$	1
	Percentage of total loan receivables(a)	2.2		%		1.7		%		3.8		%		1.7		%		0		%
	At December 31, 2013 ($ in millions)	30-89 days delinquent				90 or more days delinquent				Total Past Due				90 or more days delinquent and accruing				Total non-accruing
	Credit cards	$	1,327			$	1,105			$	2,432			$	1,105			$	—
	Consumer installment loans	12				2				14				—				2
	Commercial credit products	28				14				42				14				—
	Total delinquent loans	$	1,367			$	1,121			$	2,488			$	1,119			$	2
	Percentage of total loan receivables(a)	2.4		%		2		%		4.3		%		2		%		0		%
	______________________
	(a)	Percentages are calculated based on period end balances
Troubled Debt Restructurings on Financing Receivables	'
	The following table provides information on loans that entered a loan modification program during the periods presented:
		Three months ended June 30,								Six months ended June 30,
	($ in millions)	2014				2013				2014				2013
	Credit cards	$	97			$	110			$	204			$	274
	Consumer installment loans	—				6				—				17
	Commercial credit products	—				1				2				4
	Total	$	97			$	117			$	206			$	295
Impaired Financing Receivables	'
	The following table provides information about loans classified as TDRs and specific reserves. We do not evaluate credit card loans for impairment on an individual basis, but instead estimate an allowance for loan losses on a collective basis. As a result, there are no impaired loans for which there is no allowance.
	At June 30, 2014 ($ in millions)	Total recorded				Related allowance				Net recorded investment				Unpaid principal balance
		investment
	Credit cards	$	723			$	(214	)		$	509			$	634
	Consumer installment loans	—				—				—				—
	Commercial credit products	10				(3		)		7				9
	Total	$	733			$	(217	)		$	516			$	643
	At December 31, 2013 ($ in millions)	Total recorded				Related allowance				Net recorded investment				Unpaid principal balance
		investment
	Credit cards	$	799			$	(246	)		$	553			$	692
	Consumer installment loans	—				—				—				—
	Commercial credit products	12				(5		)		7				12
	Total	$	811			$	(251	)		$	560			$	704
	The following tables present the types and financial effects of loans modified and accounted for as TDRs during the periods presented:
	Three months ended June 30,	2014										2013
	($ in millions)	Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment				Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment
	Credit cards	$	14		$	35		$	749			$	23		$	44		$	860
	Consumer installment loans	—			—			—				1			1			67
	Commercial credit products	—			1			11				—			—			15
	Total	$	14		$	36		$	760			$	24		$	45		$	942
	Six months ended June 30,	2014										2013
	($ in millions)	Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment				Interest income recognized during period when loans were impaired			Interest income that would have been recorded with original terms			Average recorded investment
	Credit cards	$	29		$	71		$	766			$	45		$	88		$	857
	Consumer installment loans	—			—			—				1			2			65
	Commercial credit products	—			1			11				—			—			12
	Total	$	29		$	72		$	777			$	46		$	90		$	934
Troubled Debt Restructurings on Financing Receivables, Subsequent Default	'
	The following table presents the type, number and amount of loans accounted for as TDRs that enrolled in a modification plan within the previous 12 months and experienced a payment default during the periods presented. A customer defaults from a modification program after two consecutive missed payments.
	Three months ended June 30,	2014							2013
	($ in millions)	Accounts defaulted			Loans defaulted				Accounts defaulted			Loans defaulted
	Credit cards	12,943			$	25			22,264			$	38
	Consumer installment loans	—			—				64			2
	Commercial credit products	57			1				102			1
	Total	13,000			$	26			22,430			$	41
	Six months ended June 30,	2014							2013
	($ in millions)	Accounts defaulted			Loans defaulted				Accounts defaulted			Loans defaulted
	Credit cards	24,944			$	49			39,289			$	69
	Consumer installment loans	—			—				120			3
	Commercial credit products	105			1				187			1
	Total	25,049			$	50			39,596			$	73
Financing Receivable Credit Quality Indicators	'
	The following table provides the most recent FICO scores available for our customers at June 30, 2014 and December 31, 2013, as a percentage of each class of loan receivable. We have reclassified the categories at December 31, 2013 to conform to the current period classification. The table below excludes 0.8% and 1.1% of our total loan receivables balance at June 30, 2014 and December 31, 2013, respectively, which represents those customer accounts for which a FICO score is not available.
		June 30, 2014									December 31, 2013
		661 or			601 to			600 or			661 or			601 to			600 or
		higher			660			less			higher			660			less
	Credit cards	72.5	%		20	%		7.5	%		71.7	%		20	%		8.3	%
	Consumer installment loans	79.9	%		15	%		5.1	%		78.2	%		15.5	%		6.3	%
	Commercial credit products	86.5	%		8.6	%		4.9	%		85.3	%		9.4	%		5.3	%
Interest Income and Interest Expense Disclosure	'
	Interest Income by Product
	The following table provides additional information about our interest and fees on loans from our loan receivables:
		Three months ended June 30,								Six months ended June 30,
	($ in millions)	2014				2013				2014				2013
	Credit cards	$	2,860			$	2,612			$	5,727			$	5,240
	Consumer installment loans	24				33				47				67
	Commercial credit products	36				36				74				73
	Other	—				—				—				—
	Total	$	2,920			$	2,681			$	5,848			$	5,380

Variable_Interest_Entities_Tab

Variable Interest Entities (Tables)	6 Months Ended
	Jun. 30, 2014
Variable Interest Entities [Abstract]	'
Schedule of Variable Interest Entities	'
	The table below summarizes the assets and liabilities of our consolidated securitization VIEs described above.
	($ in millions)	June 30, 2014		December 31, 2013
	Assets
	Loan receivables, net(a)	$	25,334	$	24,766
	Loan receivables held for sale	570		—
	Other assets	327		20
	Total	$	26,231	$	24,786
	Liabilities
	Borrowings	$	15,114	$	15,362
	Other liabilities	338		228
	Total	$	15,452	$	15,590
	_______________________
	(a)	Includes $1,259 million and $1,305 million of related allowance for loan losses resulting in gross restricted loans of $26,593 million and $26,071 million at June 30, 2014 and December 31, 2013, respectively.

Intangible_Assets_Tables

Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2014
Goodwill and Intangible Assets Disclosure [Abstract]	'
Schedule of Finite-Lived Intangible Assets	'
		30-Jun-14							December 31, 2013
	($ in millions)	Gross carrying amount		Accumulated amortization			Net		Gross carrying amount		Accumulated amortization			Net
	Customer-related	$	787	$	(355	)	$	432	$	586	$	(312	)	$	274
	Capitalized software	67		(36		)	31		55		(29		)	26
	Total	$	854	$	(391	)	$	463	$	641	$	(341	)	$	300

Deposits_and_Borrowings_Tables

Deposits and Borrowings (Tables)	6 Months Ended
	Jun. 30, 2014
Banking and Thrift [Abstract]	'
Schedule of Deposit Liabilities	'
	The tables below summarize the components of our deposits, borrowings of consolidated securitization entities and related party debt at June 30, 2014 and December 31, 2013. The amounts presented for outstanding borrowings include unamortized debt premiums and discounts.
	Deposits
		June 30, 2014					December 31, 2013
	($ in millions)	Amount		Average			Amount			Average
				rate (a)						rate (a)
	Interest bearing deposits	$	30,258	1.5	%		$	25,360		1.7	%
	Non-interest bearing deposits	204		—			359			—
	Total deposits	$	30,462				$	25,719
Schedule of Maturities of Deposit Liabilities	'
	At June 30, 2014, our interest-bearing time deposits maturing for the remainder of 2014 and over the next four years and thereafter were as follows:
	($ in millions)	2014			2015				2016			2017		2018		Thereafter
	Deposits	$	4,805		$	8,850			$	2,178		$	2,486	$	1,884	$	4,605
Schedule of Debt	'
		June 30, 2014					December 31, 2013
	($ in millions)	Amount		Average			Amount			Average
				rate (a)						rate (a)
	Borrowings of consolidated	$	15,114	1.4	%		$	15,362		1.3	%
	securitization entities
	Related party debt	7,859		2.2	%		8,959			1.7	%
	Total borrowings	$	22,973				$	24,321
	___________________
	(a)	Based on interest expense for the six months ended June 30, 2014 and the year ended December 31, 2013 and average borrowings balances.
Schedule of Maturities of Long-term Debt	'
	The maturities of the borrowings of our consolidated securitization entities following these amendments and at June 30, 2014, were as follows:
	($ in millions)	2014			2015				2016			2017		2018		Thereafter
	Borrowings of consolidated securitization entities	$	626		$	2,612			$	1,779		$	8,134	$	800	$	1,163

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures [Abstract]	'
Fair Value, Assets Measured on Recurring Basis	'
	The following tables present our assets measured at fair value on a recurring basis.
	At June 30, 2014 ($ in millions)	Level 1		Level 2			Level 3			Total
	Assets
	Investment securities
	Debt
	State and municipal	$	—	$	—		$	56		$	56
	Residential mortgage-backed	—		227			—			227
	Equity	15		—			—			15
	Total	$	15	$	227		$	56		$	298
	At December 31, 2013 ($ in millions)
	Assets
	Investment securities
	Debt
	State and municipal	$	—	$	—		$	46		$	46
	Residential mortgage-backed	—		175			—			175
	Equity	15		—			—			15
	Total	$	15	$	175		$	46		$	236
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation	'
	The following table presents the changes in our state and municipal debt instruments that are measured on a recurring basis for the three and six months ended June 30, 2014 and 2013.
	Changes in Level 3 Instruments
		Three months ended June 30,					Six months ended June 30,
	($ in millions)	2014		2013			2014			2013
	Balance at beginning of period	$	53	$	40		$	46		$	39
	Net realized/unrealized gains (losses) included in accumulated other comprehensive income	3		(3		)	4			(3		)
	Purchases	—		12			8			13
	Settlements	—		—			(2		)	—
	Balance at end of period	$	56	$	49		$	56		$	49
Fair Value, by Balance Sheet Grouping	'
	Financial Assets and Financial Liabilities Carried at Other than Fair Value
		Carrying		Corresponding fair value amount
	At June 30, 2014 ($ in millions)	value		Total			Level 1			Level 2			Level 3
	Financial Assets
	Financial assets for which carrying values equal or approximate fair value:
	Cash and equivalents	$	6,782	$	6,782		$	6,782
	Other assets(a)	$	187	$	187		$	187
	Financial assets carried at other than fair value:
	Loan receivables, net	$	51,867	$	57,909								$	57,909
	Loan receivables held for sale	$	1,458	$	1,588								$	1,588
	Financial Liabilities
	Financial liabilities carried at other than fair value:
	Deposits	$	30,462	$	30,936					$	30,936
	Borrowings of consolidated securitization entities	$	15,114	$	15,163					$	7,594		$	7,569
	Related party debt(b)	$	7,859	$	7,859								$	7,859
		Carrying		Corresponding fair value amount
	At December 31, 2013 ($ in millions)	value		Total			Level 1			Level 2			Level 3
	Financial Assets
	Financial assets for which carrying values equal or approximate fair value:
	Cash and equivalents	$	2,319	$	2,319		$	2,319
	Other assets(a)	$	76	$	76		$	76					$	—
	Financial assets carried at other than fair value:
	Loan receivables, net	$	54,362	$	60,344								$	60,344
	Financial Liabilities
	Financial liabilities carried at other than fair value:
	Deposits	$	25,719	$	25,994					$	25,994		$	—
	Borrowings of consolidated securitization entities	$	15,362	$	15,308					$	8,206		$	7,102
	Related party debt(b)	$	8,959	$	209					$	209		$	—
	_______________________
	(a)	This balance relates to restricted cash which is included in other assets.
	(b)	Carrying value approximates fair value as the debt earns a floating rate and had an expected repayment date that coincided with the IPO closing on August 5, 2014. The fair value of the related party debt at December 31, 2013 relates to $195 million of debt issued by one of our securitization entities which was held by a GECC affiliate. This related party debt was repurchased by the Company during the six months ended June 30, 2014 and is now eliminated in our condensed consolidated and combined financial statements at June 30, 2014.

Regulatory_and_Capital_Adequac1

Regulatory and Capital Adequacy (Tables)	6 Months Ended
	Jun. 30, 2014
Banking and Thrift [Abstract]	'
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	'
	The actual capital amounts and ratios and the required minimums of the Bank are as follows:
	At June 30, 2014 ($ in millions)	Actual				Minimum for capital				Minimum to be well-capitalized under prompt corrective action provisions
						adequacy purposes(b)
		Amount		Ratio(a)		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	6,393	17.8	%	$	2,877	8	%	$	3,596	10	%
	Tier 1 risk-based capital	$	5,924	16.5	%	$	1,439	4	%	$	2,158	6	%
	Tier 1 leverage	$	5,924	13.8	%	$	1,717	4	%	$	2,146	5	%
	At December 31, 2013 ($ in millions)	Actual				Minimum for capital				Minimum to be well-capitalized under prompt corrective action provisions
						adequacy purposes(b)
		Amount		Ratio(a)		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	6,010	17.3	%	$	2,784	8	%	$	3,480	10	%
	Tier 1 risk-based capital	$	5,559	16	%	$	1,392	4	%	$	2,088	6	%
	Tier 1 leverage	$	5,559	14.9	%	$	1,495	4	%	$	1,869	5	%
	_______________________
	(a)	Represent Basel I capital ratios calculated for the Bank.
	(b)	In addition to the Basel I requirements, under the Bank’s Operating Agreement with the OCC entered into on January 11, 2013, the Bank must maintain minimum levels of capital as follows:
	($ in millions)	At June 30, 2014				At December 31, 2013
		Amount		Ratio		Amount		Ratio
	Total risk-based capital	$	3,956	11	%	$	3,828	11	%
	Tier 1 risk-based capital	$	2,518	7	%	$	2,436	7	%
	Tier 1 leverage	$	2,576	6	%	$	2,243	6	%

Earnings_Per_Share_Earnings_Pe1

Earnings Per Share Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Schedule of Earnings Per Share, Basic and Diluted	'
	The following table presents the calculation of basic and diluted earnings per share:
		Three months ended June 30,				Six months ended June 30,
	(in millions, except per share data)	2014		2013		2014		2013
	Net earnings	$	472	$	536	$	1,030	$	895
	Weighted-average common shares outstanding, basic	705		705		705		705
	Effect of dilutive securities	—		—		—		—
	Weighted-average common shares outstanding, dilutive	705		705		705		705
	Earnings per basic common share	$	0.67	$	0.76	$	1.46	$	1.27
	Earnings per diluted common share	$	0.67	$	0.76	$	1.46	$	1.27

Related_Party_Transactions_and1

Related Party Transactions and Parents' Net Investment (Tables)	6 Months Ended
	Jun. 30, 2014
Related Party Transactions [Abstract]	'
Schedule of Related Party Transactions	'
	The following table sets forth the direct costs, indirect costs and interest expenses related to services and funding provided by GE for the periods indicated.
	($ in millions)	Three months ended June 30,				Six months ended June 30,
		2014		2013		2014		2013
	Direct costs(a)	$	62	$	56	$	126	$	103
	Indirect costs(a)	73		56		134		109
	Interest expense(b)	43		30		90		73
	Total expenses for services and funding provided by GECC	$	178	$	142	$	350	$	285
	_______________________
	(a)	Direct and indirect costs are included in the other expense line items in our Condensed Consolidated and Combined Statements of Earnings.
	(b)	Included in interest expense in our Condensed Consolidated and Combined Statements of Earnings.

Business_Description_Details

Business Description (Details) (Subsequent Event)	0 Months Ended		2 Months Ended	0 Months Ended	2 Months Ended
	Aug. 05, 2014	Aug. 05, 2014	Sep. 05, 2014	Sep. 03, 2014	Sep. 05, 2014
	General Electric	IPO	IPO	Over-Allotment Option	Over-Allotment Option
Subsequent Event [Line Items]	'	'	'	'	'
Shares issued in IPO	'	125,000,000	125,000,000	3,500,000	3,500,000
Percentage of ownership after transaction	84.60%	'	'	'	'

Acquisitions_Details

Acquisitions (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013	Jan. 11, 2013	Jan. 11, 2013	Jan. 11, 2013
In Millions, unless otherwise specified			MetLife Bank, N.A.	Core Deposits	Other Intangible Assets
				MetLife Bank, N.A.	MetLife Bank, N.A.
Business Acquisition [Line Items]	'	'	'	'	'
Deposit liabilities	'	'	$6,441	'	'
Cash	'	'	6,393	'	'
Finite-lived intangibles	'	'	'	19	8
Deferred tax assets	'	'	8	'	'
Goodwill	$949	$949	$13	'	'

Investment_Securities_Schedule

Investment Securities - Schedule of Available for Sale Securities (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Equity	'		'
Amortized cost	$15		$15
Gross unrealized gains	0		0
Gross unrealized losses	0		0
Estimated fair value	15		15
Available-for-sale Securities [Abstract]	'		'
Amortized cost	304		251
Gross unrealized gains	3		1
Gross unrealized losses	-9		-16
Estimated fair value	298		236
State and municipal	'		'
Debt	'		'
Amortized cost	59		53
Gross unrealized gains	1		0
Gross unrealized losses	-4		-7
Estimated fair value	56		46
Residential mortgage-backed	'		'
Debt	'		'
Amortized cost	230	[1]	183	[1]
Gross unrealized gains	2	[1]	1	[1]
Gross unrealized losses	-5	[1]	-9	[1]
Estimated fair value	$227	[1]	$175	[1]
[1]	At June 30, 2014 and December 31, 2013 all of our residential mortgage-backed securities relate to securities issued by government-sponsored entities and are pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve Discount Window advances. All residential mortgage-backed securities are collateralized by U.S. mortgages.

Investment_Securities_Continuo

Investment Securities - Continuous Unrealized Losses (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Millions, unless otherwise specified
Estimated fair value	'	'
Less than 12 months	$23	$164
12 months or more	116	40
Gross unrealized losses	'	'
Less than 12 months	0	-9
12 months or more	-9	-7
State and municipal	'	'
Estimated fair value	'	'
Less than 12 months	8	23
12 months or more	24	20
Gross unrealized losses	'	'
Less than 12 months	0	-2
12 months or more	-4	-5
Residential mortgage-backed	'	'
Estimated fair value	'	'
Less than 12 months	15	127
12 months or more	92	20
Gross unrealized losses	'	'
Less than 12 months	0	-7
12 months or more	-5	-2
Equity	'	'
Estimated fair value	'	'
Less than 12 months	'	14
12 months or more	'	0
Gross unrealized losses	'	'
Less than 12 months	'	0
12 months or more	'	$0

Investment_Securities_Contract

Investment Securities - Contractual Maturities (Details) (State and municipal, USD $)	Jun. 30, 2014
In Millions, unless otherwise specified
State and municipal	'
Amortized Cost	'
Within one year	$0
After one year through five years	1
After five years through ten years	1
After ten years	57
Estimated Fair Value	'
Within one year	0
After one year through five years	1
After five years through ten years	1
After ten years	$54

Loan_Receivables_and_Allowance2

Loan Receivables and Allowance for Loan Losses - Loan Receivables (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	$54,873	[1],[2]	$57,254	[1],[2]
Loans and Leases Receivable, Deferred Income	28		8
Credit cards	'		'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	52,406		54,958
Consumer installment loans	'		'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	1,047		965
Commercial credit products	'		'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	1,405		1,317
Other	'		'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	15		14
Variable Interest Entity, Primary Beneficiary	'		'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'		'
Loan receivables	$26,593		$26,071
[1]	Total loan receivables include $26,593 million and $26,071 million of restricted loans of consolidated securitization entities at June 30, 2014 and December 31, 2013, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
[2]	At June 30, 2014 and December 31, 2013, loan receivables included deferred expense of $28 million and $8 million, respectively.

Loan_Receivables_and_Allowance3

Loan Receivables and Allowance for Loan Losses - Allowance for Loan Losses (Details) (USD $)	3 Months Ended			6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014		Jun. 30, 2013	Jun. 30, 2014		Jun. 30, 2013
Allowance for Loan and Lease Losses [Roll Forward]	'		'	'		'
Beginning Balance	$2,998		$2,718	$2,892		$2,274
Provision charged to operations	681		666	1,445		1,713
Gross charge-offs	-812		-734	-1,612		-1,494
Recoveries	139		134	281		291
Ending Balance	3,006		2,784	3,006		2,784
Credit cards	'		'	'		'
Allowance for Loan and Lease Losses [Roll Forward]	'		'	'		'
Beginning Balance	2,935		2,606	2,827		2,174
Provision charged to operations	662	[1]	648	1,414	[1]	1,664
Gross charge-offs	-792		-707	-1,573		-1,439
Recoveries	134		127	271		275
Ending Balance	2,939		2,674	2,939		2,674
Consumer installment loans	'		'	'		'
Allowance for Loan and Lease Losses [Roll Forward]	'		'	'		'
Beginning Balance	17		63	19		62
Provision charged to operations	7		7	9		15
Gross charge-offs	-7		-13	-14		-26
Recoveries	3		5	6		11
Ending Balance	20		62	20		62
Commercial credit products	'		'	'		'
Allowance for Loan and Lease Losses [Roll Forward]	'		'	'		'
Beginning Balance	46		49	46		38
Provision charged to operations	12		11	22		34
Gross charge-offs	-13		-14	-25		-29
Recoveries	2		2	4		5
Ending Balance	$47		$48	$47		$48
[1]	Includes a $57 million reduction in provision for loan losses associated with the classification of certain loan receivables as held for sale.

Loan_Receivables_and_Allowance4

Loan Receivables and Allowance for Loan Losses - Delinquent and Non Accrual Status (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Financing Receivable, Past Due Amount	'		'
30-89 days delinquent	$1,189		$1,367
90 or more days delinquent	908		1,121
Total Past Due	2,097		2,488
90 or more days delinquent and accruing	907		1,119
Total non-accruing	1		2
Financing Receivable, Percentage of Total Loan Receivables	'		'
Percentage of Total Loan Receivables, 30-89 Days Past Due	2.20%	[1]	2.40%	[1]
Percentage of Total Loan Receivables, Equal to Greater than 90 Days Past Due	1.70%	[1]	2.00%	[1]
Percentage of Total Loan Receivables, Past Due	3.80%	[1]	4.30%	[1]
Percentage of Total Loan Receivables, 90 Days Past Due and Still Accruing	1.70%	[1]	2.00%	[1]
Percentage of Total Loan Receivables, Nonaccrual Status	0.00%	[1]	0.00%	[1]
Credit cards	'		'
Financing Receivable, Past Due Amount	'		'
30-89 days delinquent	1,152		1,327
90 or more days delinquent	894		1,105
Total Past Due	2,046		2,432
90 or more days delinquent and accruing	894		1,105
Total non-accruing	0		0
Consumer installment loans	'		'
Financing Receivable, Past Due Amount	'		'
30-89 days delinquent	11		12
90 or more days delinquent	1		2
Total Past Due	12		14
90 or more days delinquent and accruing	0		0
Total non-accruing	1		2
Commercial credit products	'		'
Financing Receivable, Past Due Amount	'		'
30-89 days delinquent	26		28
90 or more days delinquent	13		14
Total Past Due	39		42
90 or more days delinquent and accruing	13		14
Total non-accruing	$0		$0
[1]	Percentages are calculated based on period end balances

Loan_Receivables_and_Allowance5

Loan Receivables and Allowance for Loan Losses - Loans Entered into a Loan Modification Program (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Total loans entered into a modification program	$97	$117	$206	$295
Credit cards	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Total loans entered into a modification program	97	110	204	274
Consumer installment loans	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Total loans entered into a modification program	0	6	0	17
Commercial credit products	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Total loans entered into a modification program	$0	$1	$2	$4

Loan_Receivables_and_Allowance6

Loan Receivables and Allowance for Loan Losses - Classified as TDRs (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Millions, unless otherwise specified
Credit cards	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total recorded investment	$723	$799
Related allowance	-214	-246
Net recorded investment	509	553
Unpaid principal balance	634	692
Consumer installment loans	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total recorded investment	0	0
Related allowance	0	0
Net recorded investment	0	0
Unpaid principal balance	0	0
Commercial credit products	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total recorded investment	10	12
Related allowance	-3	-5
Net recorded investment	7	7
Unpaid principal balance	9	12
Other	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Total recorded investment	733	811
Related allowance	-217	-251
Net recorded investment	516	560
Unpaid principal balance	$643	$704

Loan_Receivables_and_Allowance7

Loan Receivables and Allowance for Loan Losses - Financial Effects of TDRs (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest income recognized during period when loans were impaired	$14	$24	$29	$46
Interest income that would have been recorded with original terms	36	45	72	90
Average recorded investment	760	942	777	934
Credit cards	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest income recognized during period when loans were impaired	14	23	29	45
Interest income that would have been recorded with original terms	35	44	71	88
Average recorded investment	749	860	766	857
Consumer installment loans	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest income recognized during period when loans were impaired	0	1	0	1
Interest income that would have been recorded with original terms	0	1	0	2
Average recorded investment	0	67	0	65
Commercial credit products	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest income recognized during period when loans were impaired	0	0	0	0
Interest income that would have been recorded with original terms	1	0	1	0
Average recorded investment	$11	$15	$11	$12

Loan_Receivables_and_Allowance8

Loan Receivables and Allowance for Loan Losses - Payment Defaults (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
	account	account	account	account
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Accounts defaulted	13,000	22,430	25,049	39,596
Loans defaulted	$26	$41	$50	$73
Credit cards	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Accounts defaulted	12,943	22,264	24,944	39,289
Loans defaulted	25	38	49	69
Consumer installment loans	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Accounts defaulted	0	64	0	120
Loans defaulted	0	2	0	3
Commercial credit products	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Accounts defaulted	57	102	105	187
Loans defaulted	$1	$1	$1	$1

Loan_Receivables_and_Allowance9

Loan Receivables and Allowance for Loan Losses - Credit Quality Indicators (Details)	Jun. 30, 2014	Dec. 31, 2013
661 or higher | Credit cards	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	72.50%	71.70%
661 or higher | Consumer installment loans	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	79.90%	78.20%
661 or higher | Commercial credit products	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	86.50%	85.30%
601 to 660 | Credit cards	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	20.00%	20.00%
601 to 660 | Consumer installment loans	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	15.00%	15.50%
601 to 660 | Commercial credit products	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	8.60%	9.40%
600 or less | Credit cards	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	7.50%	8.30%
600 or less | Consumer installment loans	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	5.10%	6.30%
600 or less | Commercial credit products	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'
Percentage of class of loan receivable	4.90%	5.30%

Recovered_Sheet1

Loan Receivables and Allowance for Loan Losses - Interest Income by Product (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest and fees on loans	$2,920	$2,681	$5,848	$5,380
Credit cards	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest and fees on loans	2,860	2,612	5,727	5,240
Consumer installment loans	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest and fees on loans	24	33	47	67
Commercial credit products	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest and fees on loans	36	36	74	73
Other	'	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'	'
Interest and fees on loans	$0	$0	$0	$0

Recovered_Sheet2

Loan Receivables and Allowance for Loan Losses - Narrative (Details) (USD $)	3 Months Ended	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Number of retail partners	2	'	'
Loan receivables held for sale	$1,458,000,000	$1,458,000,000	$0
Percentage of loan receivable with no FICO score	0.80%	0.80%	1.10%
Credit cards	'	'	'
Accounts, Notes, Loans and Financing Receivable [Line Items]	'	'	'
Unused line of credit	290,000,000,000	290,000,000,000	277,000,000,000
Loans Receivable Held-for-sale, Provision for Loan Losses	$57,000,000	$57,000,000	'

Variable_Interest_Entities_Det

Variable Interest Entities (Details) (USD $)	Jun. 30, 2014		Mar. 31, 2014	Dec. 31, 2013		Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Millions, unless otherwise specified
Variable Interest Entity [Line Items]	'		'	'		'	'	'
Loan receivables, net	$51,867		'	$54,362		'	'	'
Loan receivables held for sale	1,458		'	0		'	'	'
Other assets	1,358	[1]	'	919	[1]	'	'	'
Total assets	63,175		'	59,085		'	'	'
Total liabilities	56,782		'	53,125		'	'	'
Allowance for loan losses	3,006		2,998	2,892		2,784	2,718	2,274
Loan receivable, before allowance for losses	54,873	[2],[3]	'	57,254	[2],[3]	'	'	'
Variable Interest Entity, Primary Beneficiary	'		'	'		'	'	'
Variable Interest Entity [Line Items]	'		'	'		'	'	'
Loan receivables, net	25,334	[4]	'	24,766	[4]	'	'	'
Loan receivables held for sale	570		'	0		'	'	'
Other assets	327		'	20		'	'	'
Total assets	26,231		'	24,786		'	'	'
Borrowings of consolidated securitization entities	15,114		'	15,362		'	'	'
Other Liabilities	338		'	228		'	'	'
Total liabilities	15,452		'	15,590		'	'	'
Allowance for loan losses	1,259		'	1,305		'	'	'
Loan receivable, before allowance for losses	$26,593		'	$26,071		'	'	'
[1]	Other assets include restricted cash of $187 million and $76 million at June 30, 2014 and December 31, 2013, respectively.
[2]	Total loan receivables include $26,593 million and $26,071 million of restricted loans of consolidated securitization entities at June 30, 2014 and December 31, 2013, respectively. See Note 6. Variable Interest Entities for further information on these restricted loans.
[3]	At June 30, 2014 and December 31, 2013, loan receivables included deferred expense of $28 million and $8 million, respectively.
[4]	Includes $1,259 million and $1,305 million of related allowance for loan losses resulting in gross restricted loans of $26,593 million and $26,071 million at June 30, 2014 and December 31, 2013, respectively.

Variable_Interest_Entities_Nar

Variable Interest Entities - Narrative (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Variable Interest Entity [Line Items]	'	'	'	'	'
Interest and fees on loans	$2,920	$2,681	$5,848	$5,380	'
Provision charged to operations	681	666	1,445	1,713	'
Interest Expense	206	178	396	371	'
Variable Interest Entity, Primary Beneficiary	'	'	'	'	'
Variable Interest Entity [Line Items]	'	'	'	'	'
Intercompany payable	53	'	53	'	4,071
Intercompany receivable	280	'	280	'	3,341
Interest and fees on loans	1,234	1,288	2,502	2,587	'
Provision charged to operations	253	215	546	666	'
Interest Expense	54	55	101	111	'
Other Assets | Variable Interest Entity, Primary Beneficiary	'	'	'	'	'
Variable Interest Entity [Line Items]	'	'	'	'	'
Restricted cash and cash equivalents	131	'	131	'	'
General Electric Capital Corporation Affiliate | Other Assets | Variable Interest Entity, Primary Beneficiary	'	'	'	'	'
Variable Interest Entity [Line Items]	'	'	'	'	'
Due from related parties	$165	'	$165	'	'

Intangible_Assets_Details

Intangible Assets (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Millions, unless otherwise specified
Finite-Lived Intangible Assets [Line Items]	'	'
Gross carrying amount	$854	$641
Accumulated amortization	-391	-341
Net	463	300
Customer-related	'	'
Finite-Lived Intangible Assets [Line Items]	'	'
Gross carrying amount	787	586
Accumulated amortization	-355	-312
Net	432	274
Capitalized software	'	'
Finite-Lived Intangible Assets [Line Items]	'	'
Gross carrying amount	67	55
Accumulated amortization	-36	-29
Net	$31	$26

Intangible_Assets_Narrative_De

Intangible Assets Narrative (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Customer-related	'	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'	'
Finite-lived intangible assets acquired	'	'	$204	'
Weighted average useful life of finite-lived intangible assets acquired	'	'	'8 years	'
Marketing Expense | Retail Partner Contracts	'	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'	'
Amortization expense	18	16	37	30
Other Expense | Finite-Lived Intangible Assets, Excluding Retail Partner Contracts	'	'	'	'
Finite-Lived Intangible Assets [Line Items]	'	'	'	'
Amortization expense	$7	$5	$13	$10

Deposits_and_Borrowings_Deposi

Deposits and Borrowings - Deposits (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Amount	'		'
Interest bearing deposit accounts	$30,258		$25,360
Non-interest bearing deposit accounts	204		359
Total deposits	$30,462		$25,719
Average rate	'		'
Interest bearing deposits	1.50%	[1]	1.70%	[1]
[1]	Based on interest expense for the six months ended June 30, 2014 and the year ended December 31, 2013 and average deposits balances.

Deposits_and_Borrowings_Deposi1

Deposits and Borrowings - Deposit Maturity Schedule (Details) (USD $)	Jun. 30, 2014
In Millions, unless otherwise specified
Banking and Thrift [Abstract]	'
2014	$4,805
2015	8,850
2016	2,178
2017	2,486
2018	1,884
Thereafter	$4,605

Deposits_and_Borrowings_Borrow

Deposits and Borrowings - Borrowings (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Amount	'		'
Related party debt	$7,859		$8,959
Total borrowings	22,973		24,321
Average rate	'		'
Related party debt	2.20%	[1]	1.70%	[1]
Variable Interest Entity, Primary Beneficiary	'		'
Amount	'		'
Borrowings of consolidated securitization entities	$15,114		$15,362
Average rate	'		'
Borrowings of consolidated securitization entities	1.40%	[1]	1.30%	[1]
[1]	Based on interest expense for the six months ended June 30, 2014 and the year ended December 31, 2013 and average deposits balances.

Deposits_and_Borrowings_Deposi2

Deposits and Borrowings Deposits and Borrowings - Borrowings Maturity Schedule (Details) (Variable Interest Entity, Primary Beneficiary, USD $)	Jun. 30, 2014
In Millions, unless otherwise specified
Variable Interest Entity, Primary Beneficiary	'
Variable Interest Entity [Line Items]	'
2014	$626
2015	2,612
2016	1,779
2017	8,134
2018	800
Thereafter	$1,163

Deposits_and_Borrowings_Deposi3

Deposits and Borrowings Deposits and Borrowings - Narrative (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013	Jun. 30, 2014	Jun. 30, 2014	Sep. 04, 2014
			Revolving Credit Facility	General Electric Capital Corporation Affiliate	Variable Interest Entity, Primary Beneficiary	Variable Interest Entity, Primary Beneficiary	Variable Interest Entity, Primary Beneficiary	GECC Revolving Credit Facilities	Program Arranger	Subsequent Event
			credit_agreement				General Electric Capital Corporation Affiliate	Revolving Credit Facility		GECC Revolving Credit Facilities
								revolving_credit_facility		Revolving Credit Facility
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]	'	'	'	'	'	'	'	'	'	'
Interest bearing deposits with certificates of $100,000 or more	$7,771,000,000	$5,695,000,000	'	'	'	'	'	'	'	'
Broker network deposit sweeps	'	'	'	'	'	'	'	'	1,042,000,000	'
Brokered network deposit sweeps terminating in the next fiscal year	'	'	'	'	'	'	'	'	262,000,000	'
Brokered network deposit sweeps terminating in two fiscal years	'	'	'	'	'	'	'	'	780,000,000	'
Portion of borrowings with amended terms	'	'	'	'	4,640,000,000	'	'	'	'	'
Undrawn secured borrowing commitments	'	'	'	'	5,600,000,000	'	'	'	'	'
Proceeds from issuance of securitized debt	'	'	'	'	3,400,000,000	866,000,000	'	'	'	'
Related party debt	7,859,000,000	8,959,000,000	'	7,900,000,000	'	'	195,000,000	'	'	'
Line of Credit Facility, Number of Revolving Credit Facilities	'	'	'	'	'	'	'	5	'	'
Unsecured revolving line of credit	'	'	$500,000,000	'	'	'	'	$10,000,000,000	'	$6,000,000,000
Line of Credit Facility, Number of Credit Agreements	'	'	2	'	'	'	'	'	'	'

Fair_Value_Measurement_Recurri

Fair Value Measurement - Recurring Fair Value Measurements(Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Equity securities	$15		$15
Fair Value, Measurements, Recurring	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Equity securities	15		15
Total	298		236
Fair Value, Measurements, Recurring | Level 1	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Equity securities	15		15
Total	15		15
Fair Value, Measurements, Recurring | Level 2	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Equity securities	0		0
Total	227		175
Fair Value, Measurements, Recurring | Level 3	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Equity securities	0		0
Total	56		46
State and municipal	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	56		46
State and municipal | Fair Value, Measurements, Recurring	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	56		46
State and municipal | Fair Value, Measurements, Recurring | Level 1	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	0		0
State and municipal | Fair Value, Measurements, Recurring | Level 2	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	0		0
State and municipal | Fair Value, Measurements, Recurring | Level 3	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	56		46
Residential mortgage-backed	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	227	[1]	175	[1]
Residential mortgage-backed | Fair Value, Measurements, Recurring	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	227		175
Residential mortgage-backed | Fair Value, Measurements, Recurring | Level 1	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	0		0
Residential mortgage-backed | Fair Value, Measurements, Recurring | Level 2	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	227		175
Residential mortgage-backed | Fair Value, Measurements, Recurring | Level 3	'		'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'		'
Debt securities	$0		$0
[1]	At June 30, 2014 and December 31, 2013 all of our residential mortgage-backed securities relate to securities issued by government-sponsored entities and are pledged by the Bank as collateral to the Federal Reserve to secure Federal Reserve Discount Window advances. All residential mortgage-backed securities are collateralized by U.S. mortgages.

Fair_Value_Measurement_Changes

Fair Value Measurement - Changes in Level 3 Instruments (Details) (State and municipal, Fair Value, Measurements, Recurring, USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
State and municipal | Fair Value, Measurements, Recurring	'	'	'	'
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]	'	'	'	'
Balance at beginning of period	$53	$40	$46	$39
Net realized/unrealized gains (losses) included in accumulated other comprehensive income	3	-3	4	-3
Purchases	0	12	8	13
Settlements	0	0	-2	0
Balance at end of period	$56	$49	$56	$49

Fair_Value_Measurement_Fair_Va

Fair Value Measurement - Fair Value Asset and Liabilities Carried at Other than Fair Value (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Carrying Value	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Cash and equivalents	$6,782		$2,319	[1]
Other assets	187	[1]	76
Loan receivables, net	51,867		54,362
Loans Held-for-sale, Fair Value Disclosure	1,458		'
Deposits	30,462		25,719
Related party debt	7,859	[2]	8,959
Total	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Cash and equivalents	6,782		2,319
Other assets	187	[1]	76	[1]
Loan receivables, net	57,909		60,344
Loans Held-for-sale, Fair Value Disclosure	1,588		'
Deposits	30,936		25,994
Related party debt	7,859	[2]	209	[2]
Level 1	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Cash and equivalents	6,782		2,319	[1]
Other assets	187	[1]	76
Loan receivables, net	'		'
Loans Held-for-sale, Fair Value Disclosure	'		'
Deposits	'		'
Related party debt	'	[2]	'
Level 2	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Cash and equivalents	'		'
Other assets	'	[1]	'	[1]
Loan receivables, net	'		'
Loans Held-for-sale, Fair Value Disclosure	'		'
Deposits	30,936		25,994
Related party debt	'	[2]	209
Level 3	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Cash and equivalents	'		'
Other assets	'	[1]	0	[1]
Loan receivables, net	57,909		60,344
Loans Held-for-sale, Fair Value Disclosure	1,588		'
Deposits	'		0
Related party debt	7,859	[2]	0
Variable Interest Entity, Primary Beneficiary	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Related party debt	'		195
Variable Interest Entity, Primary Beneficiary | Carrying Value	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Borrowings of consolidated securitization entities	15,114		15,362
Variable Interest Entity, Primary Beneficiary | Total	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Borrowings of consolidated securitization entities	15,163		15,308
Variable Interest Entity, Primary Beneficiary | Level 1	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Borrowings of consolidated securitization entities	'		'
Variable Interest Entity, Primary Beneficiary | Level 2	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Borrowings of consolidated securitization entities	7,594		8,206
Variable Interest Entity, Primary Beneficiary | Level 3	'		'
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]	'		'
Borrowings of consolidated securitization entities	$7,569		$7,102
[1]	This balance relates to restricted cash which is included in other assets.
[2]	Carrying value approximates fair value as the debt earns a floating rate and had an expected repayment date that coincided with the IPO closing on August 5, 2014. The fair value of the related party debt at December 31, 2013 relates to $195 million of debt issued by one of our securitization entities which was held by a GECC affiliate. This related party debt was repurchased by the Company during the six months ended June 30, 2014 and is now eliminated in our condensed consolidated and combined financial statements at June 30, 2014.

Regulatory_and_Capital_Adequac2

Regulatory and Capital Adequacy (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Total risk-based capital	'		'
Actual	$6,393		$6,010
Actual (percent)	17.80%	[1]	17.30%	[1]
Minimum for capital adequacy purposes	2,877	[2]	2,784	[2]
Minimum for capital adequacy purposes (percent)	8.00%	[2]	8.00%	[2]
Minimum to be well-capitalized under prompt corrective action provisions	3,596		3,480
Minimum to be well-capitalized under prompt corrective action provisions (percent)	10.00%		10.00%
Tier 1 risk-based capital	'		'
Actual	5,924		5,559
Actual (percent)	16.50%	[1]	16.00%	[1]
Minimum for capital adequacy purposes	1,439	[2]	1,392	[2]
Minimum for capital adequacy purposes (percent)	4.00%	[2]	4.00%	[2]
Minimum to be well-capitalized under prompt corrective action provisions	2,158		2,088
Minimum to be well-capitalized under prompt corrective action provisions (percent)	6.00%		6.00%
Tier 1 leverage	'		'
Actual	5,924		5,559
Actual (percent)	13.80%	[1]	14.90%	[1]
Minimum for capital adequacy purposes	1,717	[2]	1,495	[2]
Minimum for capital adequacy purposes (percent)	4.00%	[2]	4.00%	[2]
Minimum to be well-capitalized under prompt corrective action provisions	$2,146		$1,869
Minimum to be well-capitalized under prompt corrective action provisions (percent)	5.00%		5.00%
[1]	Represent Basel I capital ratios calculated for the Bank.
[2]	In addition to the Basel I requirements, under the Bank’s Operating Agreement with the OCC entered into on January 11, 2013, the Bank must maintain minimum levels of capital as follows:($ in millions)At June 30, 2014 At December 31, 2013 Amount Ratio Amount RatioTotal risk-based capital$3,956 11.0% $3,828 11.0%Tier 1 risk-based capital$2,518 7.0% $2,436 7.0%Tier 1 leverage$2,576 6.0% $2,243 6.0%

Regulatory_and_Capital_Adequac3

Regulatory and Capital Adequacy Regulatory and Capital Adequacy - OCC Requirements (Details) (USD $)	Jun. 30, 2014		Dec. 31, 2013
In Millions, unless otherwise specified
Total risk-based capital	'		'
Minimum for capital adequacy purposes	$2,877	[1]	$2,784	[1]
Minimum for capital adequacy purposes (percent)	8.00%	[1]	8.00%	[1]
Tier 1 risk-based capital	'		'
Minimum for capital adequacy purposes	1,439	[1]	1,392	[1]
Minimum for capital adequacy purposes (percent)	4.00%	[1]	4.00%	[1]
Tier 1 leverage	'		'
Minimum for capital adequacy purposes	1,717	[1]	1,495	[1]
Minimum for capital adequacy purposes (percent)	4.00%	[1]	4.00%	[1]
Office of the Comptroller of the Currency	'		'
Total risk-based capital	'		'
Minimum for capital adequacy purposes	3,956		3,828
Minimum for capital adequacy purposes (percent)	11.00%		11.00%
Tier 1 risk-based capital	'		'
Minimum for capital adequacy purposes	2,518		2,436
Minimum for capital adequacy purposes (percent)	7.00%		7.00%
Tier 1 leverage	'		'
Minimum for capital adequacy purposes	$2,576		$2,243
Minimum for capital adequacy purposes (percent)	6.00%		6.00%
[1]	In addition to the Basel I requirements, under the Bank’s Operating Agreement with the OCC entered into on January 11, 2013, the Bank must maintain minimum levels of capital as follows:($ in millions)At June 30, 2014 At December 31, 2013 Amount Ratio Amount RatioTotal risk-based capital$3,956 11.0% $3,828 11.0%Tier 1 risk-based capital$2,518 7.0% $2,436 7.0%Tier 1 leverage$2,576 6.0% $2,243 6.0%

Earnings_Per_Share_Earnings_Pe2

Earnings Per Share Earnings Per Share - Basic and Diluted Earnings Per Share (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, except Share data in Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Earnings Per Share [Abstract]	'	'	'	'
Net earnings	$472	$536	$1,030	$895
Weighted-average common shares outstanding, basic (in shares)	705,271	705,271	705,271	705,271
Effect of dilutive securities (in shares)	0	0	0	0
Weighted-average common shares outstanding, dilutive (in shares)	705,271	705,271	705,271	705,271
Earnings per basic common share (in usd per share)	$0.67	$0.76	$1.46	$1.27
Earnings per diluted common share (in usd per share)	$0.67	$0.76	$1.46	$1.27

Earnings_Per_Share_Earnings_Pe3

Earnings Per Share Earnings Per Share - Narrative (Details)	1 Months Ended
	Jun. 30, 2014
Earnings Per Share [Abstract]	'
Stock split, conversion ratio	5,262.35

Income_Taxes_Details

Income Taxes (Details) (USD $)	3 Months Ended		6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Income Tax Disclosure [Abstract]	'	'	'	'	'
Provision for income taxes	$292	$320	$624	$534	'
Effective income tax rate	38.20%	37.40%	37.70%	37.40%	'
U.S. federal statutory tax rate	35.00%	35.00%	35.00%	35.00%	'
Unrecognized tax benefits	232	'	232	'	202
Unrecognized tax benefits that would impact effective tax rate	153	'	153	'	131
Amount of unrecognized tax benefits reasonably possible to increase (decrease) in next twelve months	$29	'	$29	'	'

Related_Party_Transactions_and2

Related Party Transactions and Parents' Net Investment (Details) (USD $)	3 Months Ended				6 Months Ended
In Millions, unless otherwise specified	Jun. 30, 2014		Jun. 30, 2013		Jun. 30, 2014		Jun. 30, 2013
Related Party Transaction [Line Items]	'		'		'		'
Interest expense	$43		$30		$90		$73
General Electric and it's Subsidiaries	'		'		'		'
Related Party Transaction [Line Items]	'		'		'		'
Total expenses for services and funding provided by GECC	178		142		350		285
Other Expense | Direct costs | General Electric and it's Subsidiaries	'		'		'		'
Related Party Transaction [Line Items]	'		'		'		'
Selling, general and administrative expenses	62	[1]	56	[1]	126	[1]	103	[1]
Other Expense | Indirect costs | General Electric and it's Subsidiaries	'		'		'		'
Related Party Transaction [Line Items]	'		'		'		'
Selling, general and administrative expenses	73	[1]	56	[1]	134	[1]	109	[1]
Interest Expense | General Electric and it's Subsidiaries	'		'		'		'
Related Party Transaction [Line Items]	'		'		'		'
Interest expense	$43	[2]	$30	[2]	$90	[2]	$73	[2]
[1]	Direct and indirect costs are included in the other expense line items in our Condensed Consolidated and Combined Statements of Earnings.
[2]	Included in interest expense in our Condensed Consolidated and Combined Statements of Earnings.

Related_Party_Transactions_and3

Related Party Transactions and Parents' Net Investment Related Party Transactions and Parents' Net Investment Narrative (Details) (USD $)

3 Months Ended

6 Months Ended

0 Months Ended

0 Months Ended

Jun. 30, 2014

Jun. 30, 2013

Jun. 30, 2014

Jun. 30, 2013

Dec. 31, 2013

Aug. 11, 2014

Aug. 11, 2014

Aug. 11, 2014

Jun. 30, 2014

Aug. 05, 2014

Aug. 05, 2014

Jun. 30, 2014

Subsequent Event

Unsecured Debt

Senior Notes

General Electric Capital Corporation Affiliate

General Electric Capital Corporation Affiliate

General Electric Capital Corporation Affiliate

Subservicing Agreement

New GECC Term Loan Facility

Subsequent Event

Subsequent Event

Unsecured Debt

General Electric Capital Corporation Affiliate

Subsequent Event

New GECC Term Loan Facility

Subsequent Event

Related Party Transaction [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

Repayments of related party debt

'

'

$1,195,000,000

$1,566,000,000

'

'

'

'

'

$8,000,000,000

'

'

Related party debt

7,859,000,000

'

7,859,000,000

'

8,959,000,000

'

'

'

7,900,000,000

'

'

186,000,000

Proceeds from issuance of debt

'

'

'

'

'

'

'

'

'

'

1,500,000,000

'

Repayments of Debt

'

'

'

'

'

600,000,000

100,000,000

'

'

'

100,000,000

'

Principal amount

'

'

'

'

'

'

'

3,600,000,000

'

'

'

'

Interest expense

43,000,000

30,000,000

90,000,000

73,000,000

'

'

'

'

'

'

'

'

Average cost of funds

2.20%

1.40%

2.20%

1.70%

'

'

'

'

'

'

'

'

Due from related parties

'

'

'

'

'

'

'

'

'

'

'

$165,000,000

Legal_Proceedings_and_Regulato1

Legal Proceedings and Regulatory Matters (Details) (USD $)	Jun. 30, 2014	Dec. 10, 2013	Jun. 19, 2014	Jun. 19, 2014	Jan. 17, 2014
	putative_class_action	CareCredit CFPB Consent Order	2014 CFPB Consent Order	2014 CFPB and DOJ Consent Order	Travaglio et al. v. GE Capital Retail Bank and Allied Interstate LLC
Loss Contingencies [Line Items]	'	'	'	'	'
Maximum amount of settlement	'	$34,100,000	'	'	'
Amount of settlement	'	'	56,000,000	169,000,000	'
Amount refunded to cardholders prior to settlement	'	'	11,000,000	-132,000,000	'
Payment of civil money penalties	'	'	3,500,000	'	'
Additional payments, balance credits, and balance waivers	'	'	'	37,000,000	'
Outstanding amount of settlement left to be refunded	'	'	'	37,000,000	'
Amount of settlement that consists of balance credits and waivers to previously charged-off account	'	'	'	158,000,000	'
Number of putative class actions	5	'	'	'	'
Damages sought per violation	'	'	'	'	$1,500

Subsequent_Events_Subsequent_E1

Subsequent Events Subsequent Events (Details) (USD $)

1 Months Ended

6 Months Ended

0 Months Ended

0 Months Ended

0 Months Ended

0 Months Ended

0 Months Ended

0 Months Ended

2 Months Ended

0 Months Ended

2 Months Ended

0 Months Ended

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2013

Dec. 31, 2013

Aug. 11, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 11, 2014

Aug. 11, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 11, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 05, 2014

Aug. 11, 2014

Aug. 11, 2014

Aug. 11, 2014

Aug. 11, 2014

Aug. 05, 2014

Sep. 05, 2014

Sep. 03, 2014

Sep. 05, 2014

Jun. 30, 2014

Aug. 05, 2014

Aug. 05, 2014

Subsequent Event

Subsequent Event

Subsequent Event

General Electric

Senior Notes

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New Bank Term Loan Facility

New GECC Term Loan Facility

New GECC Term Loan Facility

New GECC Term Loan Facility

New GECC Term Loan Facility

1.875% Senior Notes Due 2017

3% Senior Notes Due 2019

3.75% Percent Senior Notes Due 2021

4.25% Senior Notes Due 2024

IPO

IPO

Over-Allotment Option

Over-Allotment Option

General Electric Capital Corporation Affiliate

General Electric Capital Corporation Affiliate

General Electric Capital Corporation Affiliate

Subsequent Event

Subsequent Event

Unsecured Debt

Unsecured Debt

Base Rate

LIBOR

Minimum

Minimum

Maximum

Maximum

Unsecured Debt

Unsecured Debt

Base Rate

LIBOR

Senior Notes

Senior Notes

Senior Notes

Senior Notes

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

New GECC Term Loan Facility

Subsequent Event

Subsequent Event

Unsecured Debt

Unsecured Debt

Base Rate

LIBOR

Base Rate

LIBOR

Subsequent Event

General Electric Capital Corporation

Unsecured Debt

Unsecured Debt

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Unsecured Debt

Subsequent Event

Subsequent Event

Unsecured Debt

Unsecured Debt

Unsecured Debt

Unsecured Debt

Subsequent Event

General Electric Capital Corporation

General Electric Capital Corporation

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event

Subsequent Event [Line Items]

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Shares issued in IPO

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

125,000,000

125,000,000

3,500,000

3,500,000

'

'

'

Price per share (in usd per share)

'

'

'

'

'

'

$23

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Proceeds from initial public offering

'

'

'

'

'

$2,800,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Stock split, conversion ratio

5,262.35

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Percentage of ownership after transaction

'

'

'

'

'

'

'

84.60%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Principal amount

'

'

'

'

'

'

'

'

3,600,000,000

'

8,000,000,000

'

'

'

'

'

'

'

1,500,000,000

'

'

500,000,000

1,100,000,000

750,000,000

1,250,000,000

'

'

'

'

'

'

'

Stated interest rate

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

1.88%

3.00%

3.75%

4.25%

'

'

'

'

'

'

'

Repayments of Debt

'

'

'

'

600,000,000

'

'

'

'

500,000,000

'

'

'

'

'

'

'

100,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

100,000,000

Basis spread on variable rate

'

'

'

'

'

'

'

'

'

'

'

0.90%

1.90%

0.65%

1.65%

1.40%

2.40%

'

'

3.00%

4.00%

'

'

'

'

'

'

'

'

'

'

'

Repayments of related party debt

'

1,195,000,000

1,566,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

8,000,000,000

'

Related party debt

$7,859,000,000

$7,859,000,000

'

$8,959,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$7,900,000,000

'

'

Employee matters agreement, minimum required ownership percentage of common stock

'

'

'

'

'

'

'

50.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transitional trademark license agreement, minimum required ownership percentage of common stock

'

'

'

'

'

'

'

50.00%

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transitional trademark license agreement, allowable period after ownership percentage is not met

'

'

'

'

'

'3 years

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'