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Alliance Data Systems Corp – ‘10-K’ for 12/31/18 – ‘EX-101.SCH’

On:  Tuesday, 2/26/19, at 8:27am ET   ·   For:  12/31/18   ·   Accession #:  1101215-19-48   ·   File #:  1-15749

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  As Of               Filer                 Filing    For·On·As Docs:Size

 2/26/19  Alliance Data Systems Corp        10-K       12/31/18  116:29M

Annual Report   —   Form 10-K   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Annual Report                                       HTML   2.71M 
 2: EX-10.110   Material Contract                                   HTML     59K 
 3: EX-10.111   Material Contract                                   HTML     51K 
 4: EX-10.112   Material Contract                                   HTML     84K 
 5: EX-10.115   Material Contract                                   HTML     52K 
 6: EX-21       Subsidiaries List                                   HTML     73K 
 7: EX-23.1     Consent of Experts or Counsel                       HTML     32K 
 8: EX-31.1     Certification -- §302 - SOA'02                      HTML     38K 
 9: EX-31.2     Certification -- §302 - SOA'02                      HTML     38K 
10: EX-32.1     Certification -- §906 - SOA'02                      HTML     37K 
11: EX-32.2     Certification -- §906 - SOA'02                      HTML     37K 
18: R1          Document and Entity Information                     HTML     58K 
19: R2          Consolidated Balance Sheets                         HTML    141K 
20: R3          Consolidated Balance Sheets (Parenthetical)         HTML     42K 
21: R4          Consolidated Statements of Income                   HTML    101K 
22: R5          Consolidated Statements of Comprehensive Income     HTML     74K 
23: R6          Consolidated Statements of Stockholders' Equity     HTML     78K 
24: R7          Consolidated Statements of Cash Flows               HTML    147K 
25: R8          Description of Business and Basis of Presentation   HTML     62K 
26: R9          Summary of Significant Accounting Policies          HTML    248K 
27: R10         Revenue                                             HTML    288K 
28: R11         Acquisitions                                        HTML     55K 
29: R12         Credit Card and Loan Receivables                    HTML    386K 
30: R13         Inventories, Net                                    HTML     34K 
31: R14         Other Investments                                   HTML    184K 
32: R15         Redemption Settlement Assets                        HTML    182K 
33: R16         Property and Equipment                              HTML     60K 
34: R17         Intangible Assets and Goodwill                      HTML    222K 
35: R18         Accrued Expenses                                    HTML     49K 
36: R19         Debt                                                HTML    242K 
37: R20         Derivative Instruments                              HTML    116K 
38: R21         Commitments and Contingencies                       HTML    169K 
39: R22         Stockholders' Equity                                HTML    216K 
40: R23         Employee Benefit Plans                              HTML     51K 
41: R24         Accumulated Other Comprehensive Loss                HTML     95K 
42: R25         Income Taxes                                        HTML    225K 
43: R26         Financial Instruments                               HTML    332K 
44: R27         Parent-Only Financial Statements                    HTML    203K 
45: R28         Segment Information                                 HTML    447K 
46: R29         Quarterly Results of Operations (Unaudited)         HTML    144K 
47: R30         Schedule Ii Consolidated Valuation and Qualifying   HTML     77K 
                Accounts                                                         
48: R31         Summary of Significant Accounting Policies          HTML    305K 
                (Policies)                                                       
49: R32         Description of Business and Basis of Presentation   HTML     49K 
                (Tables)                                                         
50: R33         Summary of Significant Accounting Policies          HTML    194K 
                (Tables)                                                         
51: R34         Revenue (Tables)                                    HTML    267K 
52: R35         Acquisitions (Tables)                               HTML     53K 
53: R36         Credit Card and Loan Receivables (Tables)           HTML    367K 
54: R37         Other Investments (Tables)                          HTML    185K 
55: R38         Redemption Settlement Assets (Tables)               HTML    182K 
56: R39         Property and Equipment (Tables)                     HTML     58K 
57: R40         Intangible Assets and Goodwill (Tables)             HTML    220K 
58: R41         Accrued Expenses (Tables)                           HTML     47K 
59: R42         Debt (Tables)                                       HTML    210K 
60: R43         Derivative Instruments (Tables)                     HTML    104K 
61: R44         Commitments and Contingencies (Tables)              HTML    162K 
62: R45         Stockholders' Equity (Tables)                       HTML    196K 
63: R46         Accumulated Other Comprehensive Loss (Tables)       HTML     94K 
64: R47         Income Taxes (Tables)                               HTML    222K 
65: R48         Financial Instruments (Tables)                      HTML    321K 
66: R49         Parent-Only Financial Statements (Tables)           HTML    205K 
67: R50         Segment Information (Tables)                        HTML    445K 
68: R51         Quarterly Results of Operations (Unaudited)         HTML    144K 
                (Tables)                                                         
69: R52         Description of Business and Basis of Presentation   HTML     46K 
                (Details)                                                        
70: R53         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES -        HTML     32K 
                Allowance for Loan Loss (Details)                                
71: R54         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES          HTML     40K 
                Property and Equipment (Details)                                 
72: R55         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES          HTML     37K 
                Goodwill and Other Intangible Assets (Details)                   
73: R56         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Revenue  HTML     82K 
                Recognition and Earnings Per Share (Details)                     
74: R57         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES -        HTML     75K 
                Recently Issued Accounting Standards - Leases                    
                (Details)                                                        
75: R58         SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES -        HTML     76K 
                Recently Adopted Accounting Standards (Details)                  
76: R59         Revenue (Details)                                   HTML    165K 
77: R60         Revenue - Contract Assets and Liabilities           HTML     88K 
                (Details)                                                        
78: R61         REVENUE - Performance Obligation (Details)          HTML     53K 
79: R62         Acquisitions (Details)                              HTML     61K 
80: R63         CREDIT CARD AND LOAN RECEIVABLES - Allowance for    HTML    117K 
                Loan Loss and Delinquencies (Details)                            
81: R64         CREDIT CARD AND LOAN RECEIVABLES - Troubled Debt    HTML     44K 
                Restructurings (Details)                                         
82: R65         CREDIT CARD AND LOAN RECEIVABLES - Age of Credit    HTML     58K 
                Card and Loan Receivable Accounts (Details)                      
83: R66         CREDIT CARD AND LOAN RECEIVABLES - Credit Quality   HTML     57K 
                (Details)                                                        
84: R67         CREDIT CARD AND LOAN RECEIVABLES - Securitized      HTML     70K 
                Credit Card Receivables (Details)                                
85: R68         Inventories, Net (Details)                          HTML     33K 
86: R69         Other Investments (Details)                         HTML    124K 
87: R70         Redemption Settlement Assets (Details)              HTML     93K 
88: R71         Property and Equipment (Details)                    HTML     60K 
89: R72         INTANGIBLE ASSETS AND GOODWILL - Finite Lived       HTML    102K 
                Assets and Indefinite Lived Assets (Details)                     
90: R73         INTANGIBLE ASSETS AND GOODWILL - Maturity Schedule  HTML     63K 
                (Details)                                                        
91: R74         INTANGIBLE ASSETS AND GOODWILL - Goodwill           HTML     48K 
                Information (Details)                                            
92: R75         Accrued Expenses (Details)                          HTML     41K 
93: R76         Debt (Details)                                      HTML    406K 
94: R77         DERIVATIVE INSTRUMENTS - Designated and Not         HTML     56K 
                Designated Instruments (Details)                                 
95: R78         DERIVATIVE INSTRUMENTS - Activity and Location of   HTML     76K 
                Outstanding Derivatives (Details)                                
96: R79         COMMITMENTS AND CONTINGENCIES - Cardholders         HTML     75K 
                (Details)                                                        
97: R80         COMMITMENTS AND CONTINGENCIES - Litigation and      HTML     78K 
                Regulatory Matters (Details)                                     
98: R81         STOCKHOLDERS' EQUITY - Stock Repurchase Programs    HTML     69K 
                (Details)                                                        
99: R82         STOCKHOLDERS' EQUITY - Stock Compensation Plans     HTML     49K 
                (Details)                                                        
100: R83         STOCKHOLDERS' EQUITY - Restricted Stock Unit        HTML    171K  
                Awards and Stock Options (Details)                               
101: R84         Employee Benefit Plans (Details)                    HTML    103K  
102: R85         Accumulated Other Comprehensive Loss (Details)      HTML     61K  
103: R86         INCOME TAXES - Components of Income Tax and         HTML    158K  
                Reconciliation and Deferred Taxes (Details)                      
104: R87         INCOME TAXES - Operating Loss Carryforward          HTML     90K  
                (Details)                                                        
105: R88         FINANCIAL INSTRUMENTS - Fair Value of Instruments   HTML     67K  
                (Details)                                                        
106: R89         FINANCIAL INSTRUMENTS - Fair Value Level            HTML     67K  
                Disclosure (Details)                                             
107: R90         FINANCIAL INSTRUMENTS - Significant Unobservable    HTML     40K  
                Input Information (Details)                                      
108: R91         FINANCIAL INSTRUMENTS - Assets and Liabilities Not  HTML     53K  
                Carried at Fair Value (Details)                                  
109: R92         Parent-Only Financial Statements (Details)          HTML    188K  
110: R93         SEGMENT INFORMATION - Financial Information         HTML    124K  
                (Details)                                                        
111: R94         SEGMENT INFORMATION - Geographic Information        HTML     71K  
                (Details)                                                        
112: R95         Quarterly Results of Operations (Unaudited)         HTML     73K  
                (Details)                                                        
113: R96         Schedule Ii Consolidated Valuation and Qualifying   HTML     42K  
                Accounts (Details)                                               
115: XML         IDEA XML File -- Filing Summary                      XML    208K  
114: EXCEL       IDEA Workbook of Financial Reports                  XLSX    169K  
12: EX-101.INS  XBRL Instance -- ads-20181231                        XML   9.10M 
14: EX-101.CAL  XBRL Calculations -- ads-20181231_cal                XML    453K 
15: EX-101.DEF  XBRL Definitions -- ads-20181231_def                 XML   1.13M 
16: EX-101.LAB  XBRL Labels -- ads-20181231_lab                      XML   2.95M 
17: EX-101.PRE  XBRL Presentations -- ads-20181231_pre               XML   1.90M 
13: EX-101.SCH  XBRL Schema -- ads-20181231                          XSD    419K 
116: ZIP         XBRL Zipped Folder -- 0001101215-19-000048-xbrl      Zip    459K

‘EX-101.SCH’   —   XBRL Schema — ads-20181231

This Exhibit is an XBRL XML File.

                                                                                                                                                                                
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<xsd:element id="ads_EquityInUndistributedNetLossOfSubsidiaries" name="EquityInUndistributedNetLossOfSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="ads_EstimatedLifeOfAirMilesRewardMile" name="EstimatedLifeOfAirMilesRewardMile" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<element id="ads_EstimatedUnredeemedPercentageOfAirMiles" name="EstimatedUnredeemedPercentageOfAirMiles" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_FairValueOfAssetsAcquiredAndLiabilitiesAssumedAbstract" name="FairValueOfAssetsAcquiredAndLiabilitiesAssumedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_FinancialInstrumentsAbstract" name="FinancialInstrumentsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_FinancingReceivableModificationNumberOfContracts" name="FinancingReceivableModificationNumberOfContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_FinancingReceivableModificationPostModificationRecordedInvestment" name="FinancingReceivableModificationPostModificationRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_FinancingReceivableModificationPreModificationRecordedInvestment" name="FinancingReceivableModificationPreModificationRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_FinancingReceivableModificationRecordedInvestment" name="FinancingReceivableModificationRecordedInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_FinancingReceivableRecordedInvestment31To60DaysPastDue" name="FinancingReceivableRecordedInvestment31To60DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_FinancingReceivableRecordedInvestment61To90DaysPastDue" name="FinancingReceivableRecordedInvestment61To90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_FinancingReceivableRecordedInvestmentEqualToGreaterThan91DaysPastDue" name="FinancingReceivableRecordedInvestmentEqualToGreaterThan91DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_FiniteLivedTradeNamesMember" name="FiniteLivedTradeNamesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_FixedRateAssetBackedTermNoteSecuritiesMember" name="FixedRateAssetBackedTermNoteSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_FloatingRateAssetBackedTermNoteSecuritiesMember" name="FloatingRateAssetBackedTermNoteSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<element id="ads_IncomeLossFromContinuingOperationsAfterIncomeTaxesBeforeMinorityInterestAndIncomeLossFromEquityMethodInvestments" name="IncomeLossFromContinuingOperationsAfterIncomeTaxesBeforeMinorityInterestAndIncomeLossFromEquityMethodInvestments" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_IncomeTaxReconciliationReconcilingItemsAbstract" name="IncomeTaxReconciliationReconcilingItemsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_IndefiniteLivedTradeNamesMember" name="IndefiniteLivedTradeNamesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<element id="ads_InterestAndOtherExpense" name="InterestAndOtherExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element id="ads_InvestmentInSubsidiaries" name="InvestmentInSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="ads_InvestmentIncomeDividendFromSubsidiaries" name="InvestmentIncomeDividendFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="ads_InvestmentIncomeInterestFromSubsidiaries" name="InvestmentIncomeInterestFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="ads_InvestmentsInConsolidatedSubsidiaries" name="InvestmentsInConsolidatedSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<element id="ads_IssuancesOfDeposits" name="IssuancesOfDeposits" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_LandImprovementsBuildingsAndLeaseholdImprovementsMember" name="LandImprovementsBuildingsAndLeaseholdImprovementsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_LeaseExpense" name="LeaseExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_LettersOfCreditAndOtherAssurances" name="LettersOfCreditAndOtherAssurances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element id="ads_LoansAndLeaseReceivableCreditCardBilledAndAccruedFinanceCharges" name="LoansAndLeaseReceivableCreditCardBilledAndAccruedFinanceCharges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_LoansAndLeasesReceivableConsumerPercentageOfTotal" name="LoansAndLeasesReceivableConsumerPercentageOfTotal" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<element id="ads_LoansAndLeasesReceivableConsumerRevolvingCreditCardExcludingHeldForSale" name="LoansAndLeasesReceivableConsumerRevolvingCreditCardExcludingHeldForSale" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_LongTermDebtAndOther" name="LongTermDebtAndOther" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_LongTermDebtAndOtherMember" name="LongTermDebtAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_LoyaltyOneMember" name="LoyaltyOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_MajorTypesOfRedemptionSettlementAssetsDomain" name="MajorTypesOfRedemptionSettlementAssetsDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_MarketingRelationshipMember" name="MarketingRelationshipMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_MaximumCashAmountPermittedToBeAwardedPerAnnumUnderIncentivePlan" name="MaximumCashAmountPermittedToBeAwardedPerAnnumUnderIncentivePlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_MaximumPeriodOfTimeTemporaryProgramsConcessionsRemainInPlace" name="MaximumPeriodOfTimeTemporaryProgramsConcessionsRemainInPlace" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ModifiedCreditCardReceivablesAbstract" name="ModifiedCreditCardReceivablesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_MoneyMarketDepositsMember" name="MoneyMarketDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months0Through12Member" name="Months0Through12Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months13Through24Member" name="Months13Through24Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months25Through36Member" name="Months25Through36Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months37Through48Member" name="Months37Through48Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months49Through60Member" name="Months49Through60Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Months61AndMoreMember" name="Months61AndMoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_NoScoreMember" name="NoScoreMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<element id="ads_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesCurrent" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesCurrent" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="false" id="ads_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element abstract="false" id="ads_NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesNonCurrent" name="NonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesNonCurrent" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_NonRecourseSecuredBorrowingsMember" name="NonRecourseSecuredBorrowingsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_NumberOfActiveAccountsWithBalances" name="NumberOfActiveAccountsWithBalances" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_NumberOfCreditCardHolders" name="NumberOfCreditCardHolders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_NumeratorAbstract" name="NumeratorAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<element id="ads_OmnibusIncentivePlan2010Abstract" name="OmnibusIncentivePlan2010Abstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_OmnibusIncentivePlan2010Member" name="OmnibusIncentivePlan2010Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_OperatingLossCapitalLossCarryforwardsAndTaxCreditTable" name="OperatingLossCapitalLossCarryforwardsAndTaxCreditTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_OtherInvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLosses" name="OtherInvestmentSecuritiesContinuousUnrealizedLossPositionAggregateLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<element id="ads_OtherInvestmentSecuritiesUnrealizedGainPositionAggregateLosses" name="OtherInvestmentSecuritiesUnrealizedGainPositionAggregateLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_PastDuePeriodForCreditCardLoansChargeOff" name="PastDuePeriodForCreditCardLoansChargeOff" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_PercentOfTotalPrincipalBalanceAbstract" name="PercentOfTotalPrincipalBalanceAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_PercentageOfActiveAccountsWithBalances" name="PercentageOfActiveAccountsWithBalances" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfCreditCardAndLoanReceivablesWithTemporaryHardshipsAndPermanentConcessions" name="PercentageOfCreditCardAndLoanReceivablesWithTemporaryHardshipsAndPermanentConcessions" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfFinancingReceivableRecordedInvestment31To60DaysPastDue" name="PercentageOfFinancingReceivableRecordedInvestment31To60DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfFinancingReceivableRecordedInvestment61To90DaysPastDue" name="PercentageOfFinancingReceivableRecordedInvestment61To90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan91DaysPastDue" name="PercentageOfFinancingReceivableRecordedInvestmentEqualToGreaterThan91DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfFinancingReceivableRecordedInvestmentPastDue" name="PercentageOfFinancingReceivableRecordedInvestmentPastDue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="ads_PercentageOfPrincipalReceivablesOutstanding" name="PercentageOfPrincipalReceivablesOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<element id="ads_PerformanceBasedRestrictedStockUnitsMember" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element id="ads_PeriodAccountIsPastDueBeforeAlgorithmScoresRiskOfFurtherDelinquency" name="PeriodAccountIsPastDueBeforeAlgorithmScoresRiskOfFurtherDelinquency" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<element id="ads_PeriodAfterNotificationOfCreditorsDeathOrBankruptcyWhenAccountIsChargedOff" name="PeriodAfterNotificationOfCreditorsDeathOrBankruptcyWhenAccountIsChargedOff" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_PeriodBeyondWhichInterestAndFeeIncomeAccrueOnCreditCardAccounts" name="PeriodBeyondWhichInterestAndFeeIncomeAccrueOnCreditCardAccounts" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_PeriodForWhichInterestAndFeeIncomeAccrueUntilBalanceInterestAndOtherFeesIsPaidOrChargedOffOnCreditCardAccounts" name="PeriodForWhichInterestAndFeeIncomeAccrueUntilBalanceInterestAndOtherFeesIsPaidOrChargedOffOnCreditCardAccounts" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_PortfolioAcquisitionsAbstract" name="PortfolioAcquisitionsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_PotentialInterestAndPenalties" name="PotentialInterestAndPenalties" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_PremiumOnPurchasedCreditCardPortfoliosMember" name="PremiumOnPurchasedCreditCardPortfoliosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_PrincipalReceivablesBalancesContractuallyDelinquentAbstract" name="PrincipalReceivablesBalancesContractuallyDelinquentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_PrincipalReceivablesPercentageContractuallyDelinquentAbstract" name="PrincipalReceivablesPercentageContractuallyDelinquentAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_PrivateLabelServicesAndCreditMember" name="PrivateLabelServicesAndCreditMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Probability1.9PercentTo3.6PercentMember" name="Probability1.9PercentTo3.6PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Probability12.6PercentTo17.0PercentMember" name="Probability12.6PercentTo17.0PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Probability17.1PercentTo27.0PercentMember" name="Probability17.1PercentTo27.0PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Probability27.1PercentAndHigherMember" name="Probability27.1PercentAndHigherMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_Probability3.7PercentTo12.5PercentMember" name="Probability3.7PercentTo12.5PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ProbabilityLowerThan1.9PercentMember" name="ProbabilityLowerThan1.9PercentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_ProceedsFromInvestmentIncomeDividendFromSubsidiaries" name="ProceedsFromInvestmentIncomeDividendFromSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_PropertyPlantAndEquipmentOtherThanSoftwareDevelopmentAndConversionCostsMember" name="PropertyPlantAndEquipmentOtherThanSoftwareDevelopmentAndConversionCostsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_ProvisionForLoanLoss" name="ProvisionForLoanLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_PurchaseOfCreditCardReceivablesInvesting" name="PurchaseOfCreditCardReceivablesInvesting" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<element id="ads_PurchasePriceOfCreditCardReceivablesPortfolioCreditCardReceivables" name="PurchasePriceOfCreditCardReceivablesPortfolioCreditCardReceivables" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_PurchasedDataListsMember" name="PurchasedDataListsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountPolicy" name="ReceivablesTradeAndOtherAccountsReceivableAllowanceForDoubtfulAccountPolicy" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_RedemptionSettlementAssetsAbstract" name="RedemptionSettlementAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_RedemptionSettlementAssetsAfterOneThroughFiveYearsAmortizedCost" name="RedemptionSettlementAssetsAfterOneThroughFiveYearsAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_RedemptionSettlementAssetsAfterOneThroughFiveYearsFairValue" name="RedemptionSettlementAssetsAfterOneThroughFiveYearsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_RedemptionSettlementAssetsAmortizedCost" name="RedemptionSettlementAssetsAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<element id="ads_RedemptionSettlementAssetsAmortizedCostBasisAbstract" name="RedemptionSettlementAssetsAmortizedCostBasisAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_RedemptionSettlementAssetsFairValueAbstract" name="RedemptionSettlementAssetsFairValueAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_RedemptionSettlementAssetsPolicyTextBlock" name="RedemptionSettlementAssetsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_RedemptionSettlementAssetsTable" name="RedemptionSettlementAssetsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_RedemptionSettlementAssetsTextBlock" name="RedemptionSettlementAssetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_RedemptionSettlementAssetsWithinOneYearAmortizedCost" name="RedemptionSettlementAssetsWithinOneYearAmortizedCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="ads_RedemptionSettlementAssetsWithinOneYearFairValue" name="RedemptionSettlementAssetsWithinOneYearFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_RegulatoryMattersAbstract" name="RegulatoryMattersAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_RestrictedCreditCardReceivables90DaysOrMorePastDue" name="RestrictedCreditCardReceivables90DaysOrMorePastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_RestrictedStockUnitsAbstract" name="RestrictedStockUnitsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ScheduleOfDebtInstrumentsTable" name="ScheduleOfDebtInstrumentsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ScheduleOfDefinedContributionPlansDisclosuresTable" name="ScheduleOfDefinedContributionPlansDisclosuresTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_ScheduleOfFairValueAssetsAndLiabilitiesTableTextBlock" name="ScheduleOfFairValueAssetsAndLiabilitiesTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ScheduleOfFiniteAndIndefiniteLivedIntangibleAssetsByMajorClassLineItems" name="ScheduleOfFiniteAndIndefiniteLivedIntangibleAssetsByMajorClassLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ScheduleOfFiniteAndIndefiniteLivedIntangibleAssetsTable" name="ScheduleOfFiniteAndIndefiniteLivedIntangibleAssetsTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_ScheduleOfFiniteLivedAndIndefiniteLivedAssetsTableTextBlock" name="ScheduleOfFiniteLivedAndIndefiniteLivedAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<element id="ads_ScheduleOfIncomeBeforeIncomeTaxDomesticAndForeignAndComponentsOfIncomeTaxExpenseBenefitTableTextBlock" name="ScheduleOfIncomeBeforeIncomeTaxDomesticAndForeignAndComponentsOfIncomeTaxExpenseBenefitTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_ScheduleOfRedemptionSettlementAssetsByTypeAxis" name="ScheduleOfRedemptionSettlementAssetsByTypeAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ScheduleOfRedemptionSettlementAssetsLineItems" name="ScheduleOfRedemptionSettlementAssetsLineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<element id="ads_ScheduleOfRedemptionSettlementAssetsTableTextBlock" name="ScheduleOfRedemptionSettlementAssetsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_SecuritizationFundingCosts" name="SecuritizationFundingCosts" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_SecuritizedCreditCardReceivablesDelinquenciesAndNetChargeOffsAbstract" name="SecuritizedCreditCardReceivablesDelinquenciesAndNetChargeOffsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_SecuritizedCreditCardReceivablesMinimumInterestRequirement" name="SecuritizedCreditCardReceivablesMinimumInterestRequirement" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_SeniorNotesDue2020Member" name="SeniorNotesDue2020Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ServiceBasedRestrictedStockUnitsMember" name="ServiceBasedRestrictedStockUnitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<element id="ads_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVest" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVest" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element id="ads_ShareBasedCompensationArrangementByShareBasedPaymentAwardEstimatedAnnualForfeitureRate" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEstimatedAnnualForfeitureRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<element id="ads_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAbstract" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationTerm" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationTerm" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_SharesRepurchaseProgramAbstract" name="SharesRepurchaseProgramAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_StockIssuedDuringPeriodValueEmployeeStockPurchasePlanWeightedAverageIssuePrice" name="StockIssuedDuringPeriodValueEmployeeStockPurchasePlanWeightedAverageIssuePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_StockIssuedUnderEmployeeStockPurchasePlansShares" name="StockIssuedUnderEmployeeStockPurchasePlansShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
<xsd:element id="ads_SummaryOfFinancingReceivablesAgingTableTextBlock" name="SummaryOfFinancingReceivablesAgingTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<element id="ads_SummaryOfNetCreditCardReceivablesChargeOffsTableTextBlock" name="SummaryOfNetCreditCardReceivablesChargeOffsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_TimeDepositsMember" name="TimeDepositsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element id="ads_TreasuryStockValueAcquiredCostMethodTotalCost" name="TreasuryStockValueAcquiredCostMethodTotalCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="ads_ValuationAllowancesAndReservesDeductionsAndRecoveriesNet" name="ValuationAllowancesAndReservesDeductionsAndRecoveriesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_CashCollateralRestrictedDepositsWhichRequiredToBeUsedToCoverLossesOnSecuritizedCreditCardReceivable" name="CashCollateralRestrictedDepositsWhichRequiredToBeUsedToCoverLossesOnSecuritizedCreditCardReceivable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="ads_AllowanceForLoanLossAbstract" name="AllowanceForLoanLossAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_ChargeOffTrendUsedToAnalyzeActualChargeOffsPeriod" name="ChargeOffTrendUsedToAnalyzeActualChargeOffsPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_CreditCardAndLoanReceivablesPolicyTextBlock" name="CreditCardAndLoanReceivablesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_AmortizationTermOfCreditCardAndLoanReceivables" name="AmortizationTermOfCreditCardAndLoanReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<element id="ads_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVestWeightedAverageGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingAndExpectedToVestWeightedAverageGrantDateFairValue" nillable="true" type="num:perShareItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueOutstandingAndExpectedToVest" name="SharebasedCompensationArrangementBySharebasedPaymentAwardEquityInstrumentsOtherThanOptionsAggregateIntrinsicValueOutstandingAndExpectedToVest" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="false" id="ads_LoansToSubsidiaries" name="LoansToSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_MasterTrustIFacilityMember" name="MasterTrustIFacilityMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_ConduitFacilityUnderMasterTrustIMember" name="ConduitFacilityUnderMasterTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_UnamortizedDeferredCostsLoanOrigination" name="UnamortizedDeferredCostsLoanOrigination" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<element id="ads_OtherInvestmentsAmortizedCost" name="OtherInvestmentsAmortizedCost" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_OtherInvestmentsFairValue" name="OtherInvestmentsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<xsd:element abstract="true" id="ads_OtherInvestmentsDisclosureAbstract" name="OtherInvestmentsDisclosureAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_OtherInvestmentsDisclosureTextBlock" name="OtherInvestmentsDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="ads_CorporateAndGovernmentBondsSecuritiesMember" name="CorporateAndGovernmentBondsSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_ScheduleOfUnrealizedLossOnRedemptionSettlementAssetsTableTextBlock" name="ScheduleOfUnrealizedLossOnRedemptionSettlementAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="false" id="ads_RedemptionSettlementAssetsFairValue" name="RedemptionSettlementAssetsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<element id="ads_RedemptionSettlementAssetsRealizedGainLoss" name="RedemptionSettlementAssetsRealizedGainLoss" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_OtherInvestmentSecuritiesRealizedGainLossAbstract" name="OtherInvestmentSecuritiesRealizedGainLossAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AdjustedEbitdaNet" name="AdjustedEbitdaNet" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_UsTreasuryBondsAbstract" name="UsTreasuryBondsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
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<element id="ads_UsTreasuryBondsContinuousUnrealizedLossPositionAggregateLosses" name="UsTreasuryBondsContinuousUnrealizedLossPositionAggregateLosses" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_UsTreasuryBondsFairValue" name="UsTreasuryBondsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUsTreasuryBondsMaturitiesAbstract" name="MarketableSecuritiesAndUsTreasuryBondsMaturitiesAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesAmortizedCostAbstract" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesAmortizedCostAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesWithinOneYearAmortizedCost" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesWithinOneYearAmortizedCost" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterOneThroughFiveYearsAmortizedCost" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterOneThroughFiveYearsAmortizedCost" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterTenYearsAmortizedCost" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterTenYearsAmortizedCost" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
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<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesFairValueAbstract" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesFairValueAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesWithinOneYearFairValue" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesWithinOneYearFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterOneThroughFiveYearsFairValue" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterOneThroughFiveYearsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterTenYearsFairValue" name="MarketableSecuritiesAndUSTreasuryBondsMaturitiesAfterTenYearsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesAndUSTreasuryBondsFairValue" name="MarketableSecuritiesAndUSTreasuryBondsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" name="MarketableSecuritiesContinuousUnrealizedLossPositionFairValueAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" name="MarketableSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" name="MarketableSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_MarketableSecuritiesContinuousUnrealizedLossPositionFairValue" name="MarketableSecuritiesContinuousUnrealizedLossPositionFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
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<element id="ads_MarketableSecuritiesAndUSTreasuryBondsContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" name="MarketableSecuritiesAndUSTreasuryBondsContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
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<element id="ads_UncommittedAccordionFeatureUnder2017CreditAgreementMember" name="UncommittedAccordionFeatureUnder2017CreditAgreementMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2015AssetBackedTermNotesMember" name="Series2015AssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_SignetJewelersLimitedMember" name="SignetJewelersLimitedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_BusinessCombinationNumberOfEmployees" name="BusinessCombinationNumberOfEmployees" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ExecutiveDeferredCompensastionPlanMember" name="ExecutiveDeferredCompensastionPlanMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsPriceCorrelation" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsPriceCorrelation" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RiskFreeInterestRateTimePeriod" name="RiskFreeInterestRateTimePeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_NumberOfLoanPortfoliosTransferredToHeldForSale" name="NumberOfLoanPortfoliosTransferredToHeldForSale" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_SeniorNotesDue2022And2023Member" name="SeniorNotesDue2022And2023Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ProceedsFromSaleOfCreditCardAndLoanPortfolios" name="ProceedsFromSaleOfCreditCardAndLoanPortfolios" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ImpactOfTaxReform" name="ImpactOfTaxReform" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ShareBasedCompensationArrangement2016PerformanceBasedSharesCancelled" name="ShareBasedCompensationArrangement2016PerformanceBasedSharesCancelled" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_TechnologyServiceMember" name="TechnologyServiceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_CoalitionLoyaltyProgramMember" name="CoalitionLoyaltyProgramMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ShortTermLoyaltyProgramsMember" name="ShortTermLoyaltyProgramsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_DigitalMediaServicesMember" name="DigitalMediaServicesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AgencyServicesMember" name="AgencyServicesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ServicingFeesNetMember" name="ServicingFeesNetMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_OtherMember" name="OtherMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_OtherGeographicRegionsMember" name="OtherGeographicRegionsMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AirMilesServiceMember" name="AirMilesServiceMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AirMilesRedemptionMember" name="AirMilesRedemptionMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ContractWithCustomerLiabilityCashProceeds" name="ContractWithCustomerLiabilityCashProceeds" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ContractWithCustomerLiabilityOther" name="ContractWithCustomerLiabilityOther" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_ContractWithCustomerLiabilityIncreaseDecreaseForEffectsOfForeignCurrencyTranslation" name="ContractWithCustomerLiabilityIncreaseDecreaseForEffectsOfForeignCurrencyTranslation" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1" name="RevenueRemainingPerformanceObligationExpectedTimingOfSatisfactionPeriod1" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_CreditCardAndLoanPortfolioValuationAdjustment" name="CreditCardAndLoanPortfolioValuationAdjustment" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2013AssetBackedTermNotesMember" name="Series2013AssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2018AssetBackedTermNotesMember" name="Series2018AssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RedemptionSettlementAssetsRestrictedMember" name="RedemptionSettlementAssetsRestrictedMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RevenueFromContractWithCustomerServicesExcludingAssessedTax" name="RevenueFromContractWithCustomerServicesExcludingAssessedTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RevenueFromContractWithCustomerRedemptionExcludingAssessedTax" name="RevenueFromContractWithCustomerRedemptionExcludingAssessedTax" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_StockRepurchaseProgram2017Member" name="StockRepurchaseProgram2017Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_StockRepurchaseProgram2018Member" name="StockRepurchaseProgram2018Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2018BAssetBackedTermNotesMember" name="Series2018BAssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2016BAssetBackedTermNotesMember" name="Series2016BAssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2012CAssetBackedTermNotesMember" name="Series2012CAssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AssetsImpactedByAdoptionOfAsc606" name="AssetsImpactedByAdoptionOfAsc606" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_LiabilitiesImpactedByAdoptionOfAsc606" name="LiabilitiesImpactedByAdoptionOfAsc606" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RevenueFromContractWithCustomerPolicyTextBlock" name="RevenueFromContractWithCustomerPolicyTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_RevenuePerformanceObligationNumber" name="RevenuePerformanceObligationNumber" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_AssetsImpactedByAdoptionOfAsc842" name="AssetsImpactedByAdoptionOfAsc842" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_LiabilitiesImpactedByAdoptionOfAsc842" name="LiabilitiesImpactedByAdoptionOfAsc842" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_StockRepurchaseProgram2016Member" name="StockRepurchaseProgram2016Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2018CAssetBackedTermNotesMember" name="Series2018CAssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_Series2019aAssetBackedTermNotesMember" name="Series2019aAssetBackedTermNotesMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema"/>
<element id="ads_EffectiveIncomeTaxRateReconciliationTaxBenefitForeignRestructuring" name="EffectiveIncomeTaxRateReconciliationTaxBenefitForeignRestructuring" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema"/>
</xsd:schema>

4 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 2/20/24  Bread Financial Holdings, Inc.    10-K       12/31/23  128:15M
 2/28/23  Bread Financial Holdings, Inc.    10-K       12/31/22  135:20M
 2/25/22  Bread Financial Holdings, Inc.    10-K       12/31/21  110:23M
 2/26/21  Bread Financial Holdings, Inc.    10-K       12/31/20  135:28M
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Filing Submission 0001101215-19-000048   –   Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)
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