<ARTICLE> 5
<LEGEND>
This schedule contains summary financial information extracted from Credco's
Condensed Consolidated Balance Sheet at December 31, 1995 and Condensed
Consolidated Statement of Income for the twelve months ended December 31, 1995
and is qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                           1,190
<SECURITIES>                                         0
<RECEIVABLES>                                   16,439
<ALLOWANCES>                                       624
<INVENTORY>                                          0
<CURRENT-ASSETS>                                     0
<PP&E>                                               0
<DEPRECIATION>                                       0
<TOTAL-ASSETS>                                  20,192
<CURRENT-LIABILITIES>                                0
<BONDS>                                              0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             1
<OTHER-SE>                                       1,779
<TOTAL-LIABILITY-AND-EQUITY>                    20,192
<SALES>                                              0
<TOTAL-REVENUES>                                 1,988
<CGS>                                                0
<TOTAL-COSTS>                                        0
<OTHER-EXPENSES>                                     7
<LOSS-PROVISION>                                   625
<INTEREST-EXPENSE>                               1,054
<INCOME-PRETAX>                                    302
<INCOME-TAX>                                       105
<INCOME-CONTINUING>                                197
<DISCONTINUED>                                       0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       197
<EPS-PRIMARY>                                        0
<EPS-DILUTED>                                        0