{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-24-000059","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2024-08-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.558132+00:00","generated_at":"2026-05-31T09:08:48.828092+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"AmEx July credit stats: net write-off rate falls to 2.1% for Consumer, 2.3% for Small Business","bullets":["Total card member loans $115.1B as of July 31, up from $113.6B in June and $112.2B in May.","U.S. Consumer net write-off rate (principal only) improved to 2.1% in July from 2.3% in June and 2.4% in May.","U.S. Small Business net write-off rate improved to 2.3% in July from 2.4% in June and 2.5% in May.","30+ days past due loans stable at 1.3% (Consumer) and 1.4% (Small Business) for all three months.","Lending Trust annualized default rate declined to 1.2% in July from 1.5% in June."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-24-000059","json":"https://secwatch.observer/filing/0000004962-24-000059.json","markdown":"https://secwatch.observer/filing/0000004962-24-000059.md","text":"https://secwatch.observer/filing/0000004962-24-000059.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000059/0000004962-24-000059-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000059/axp-20240815.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T09:08:48.828092+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}