<TABLE> <S> <C>

<ARTICLE>                                5
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
BALANCE SHEET AND STATEMENT OF INCOME (BOTH DATED 12/31/97) AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000,000

<S>                                                 <C>
<PERIOD-TYPE>                                                    12-MOS
<FISCAL-YEAR-END>                                            DEC-31-1997
<PERIOD-END>                                                 DEC-31-1997

<CASH>                                                          254
<SECURITIES>                                                      0 <F1>
<RECEIVABLES>                                                15,030
<ALLOWANCES>                                                    560
<INVENTORY>                                                       0
<CURRENT-ASSETS>                                                  0 <F2>
<PP&E>                                                          558 <F3>
<DEPRECIATION>                                                  329 <F3>
<TOTAL-ASSETS>                                               17,645
<CURRENT-LIABILITIES>                                             0 <F2>
<BONDS>                                                       8,887 <F4>
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                     115
<COMMON>                                                         53
<OTHER-SE>                                                    1,604 <F5>
<TOTAL-LIABILITY-AND-EQUITY>                                 17,645
<SALES>                                                           0
<TOTAL-REVENUES>                                              2,956 <F6>
<CGS>                                                             0
<TOTAL-COSTS>                                                   855 <F7>
<OTHER-EXPENSES>                                              1,183 <F8>
<LOSS-PROVISION>                                                544
<INTEREST-EXPENSE>                                                0 <F9>
<INCOME-PRETAX>                                                 374
<INCOME-TAX>                                                    120
<INCOME-CONTINUING>                                             254
<DISCONTINUED>                                                    0
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                    254
<EPS-PRIMARY>                                                     4.68
<EPS-DILUTED>                                                     4.54
<FN>
<F1> CURRENT MARKETABLE EQUITY SECURITIES ARE NOT SEPARATELY STATED.
<F2> DO NOT PREPARE CLASSIFIED BALANCE SHEET.
<F3> PP&E PER BALANCE SHEET (229.3) IS SHOWN NET OF DEPRECIATION.
<F4> LONG-TERM DEBT PER BALANCE SHEET.
<F5> INCLUDES ADDITIONAL CAPITAL (250.7), NET UNREALIZED GAIN ON INVESTMENT
(5.2), FOREIGN CURRENCY TRANSLATION ADJ (-48.2), & RETAINED EARNINGS (1396.5)
PER BALANCE SHEET = 1604.2.
<F6> INCLUDES FINANCE CHARGES AND FEES (2317.1), INSURANCE PREMIUMS (177.8),
AND OTHER REVENUE (460.8) PER INCOME STATEMENT = 2955.7.
<F7> INTEREST EXPENSE PER INCOME STATEMENT.
<F8> INCLUDES SALARIES & BENEFITS (434.9), INSURANCE BENEFITS (71.1) AND
OTHER (677.3) PER INCOME STATEMENT = 1183.3.
<F9> COMPANY'S PRIMARY COST OF GENERATING REVENUE IS INTEREST EXPENSE WHICH
IS INCLUDED IN TOTAL COSTS (ABOVE).
</FN>


</TABLE>