{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-24-000072","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2024-11-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.767500+00:00","generated_at":"2026-05-30T00:00:28.740655+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Amex Oct consumer loan net write-off rate rises to 2.4% from 1.9% in Sep","bullets":["Total US Consumer card loans $88.0B at Oct 31, up from $86.8B at Sep 30.","US Consumer net write-off rate (principal only) 2.4% in Oct vs 1.9% in Sep and 2.2% in Aug.","US Small Business net write-off rate 2.2% in Oct, vs 2.1% in Sep and 2.3% in Aug.","30+ days past due for US Consumer stable at 1.4% in Oct and Sep, up from 1.3% in Aug.","Lending Trust annualized default rate 1.5% in Oct, vs 1.3% in Sep and 1.4% in Aug."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-24-000072","json":"https://secwatch.observer/filing/0000004962-24-000072.json","markdown":"https://secwatch.observer/filing/0000004962-24-000072.md","text":"https://secwatch.observer/filing/0000004962-24-000072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000072/0000004962-24-000072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000072/axp-20241115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T00:00:28.740655+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"}