{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-24-000074","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2024-12-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.767703+00:00","generated_at":"2026-05-29T03:10:10.946834+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"AmEx reports Nov credit metrics: consumer write-off rate down, small-business up","bullets":["U.S. Consumer net write-off rate (principal) fell to 2.0% in Nov from 2.4% in Oct; 30+ day delinquency stable at 1.4%.","U.S. Small Business net write-off rate rose to 2.3% in Nov from 2.2% in Oct; delinquency unchanged at 1.5%.","Total Card Member loans (Consumer + Small Business) grew to $120.0B at Nov 30 from $118.5B at Oct 31.","Lending Trust annualized default rate was 1.3% in Nov vs 1.5% in Oct and 1.3% in Sep."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-24-000074","json":"https://secwatch.observer/filing/0000004962-24-000074.json","markdown":"https://secwatch.observer/filing/0000004962-24-000074.md","text":"https://secwatch.observer/filing/0000004962-24-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000074/0000004962-24-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000074/axp-20241216.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-29T03:10:10.946834+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"}