{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000024","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-03-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.034751+00:00","generated_at":"2026-05-24T17:01:18.741028+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Amex US consumer net write-off rate rises to 2.5% in Feb; small business 2.6%","bullets":["U.S. Consumer net write-off rate (principal only) increased to 2.5% in Feb from 2.1% in Dec 2024.","U.S. Small Business net write-off rate rose to 2.6% in Feb from 2.4% in Dec 2024.","Total Card Member loans for U.S. Consumer and SMB fell to $118.0B in Feb from $122.2B in Dec 2024.","Lending Trust annualized default rate increased to 1.8% in Feb from 1.2% in Dec 2024.","Company reclassified $758M of Lowe’s small business cobrand loans to held for sale effective Dec 1, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000024","json":"https://secwatch.observer/filing/0000004962-25-000024.json","markdown":"https://secwatch.observer/filing/0000004962-25-000024.md","text":"https://secwatch.observer/filing/0000004962-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000024/0000004962-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000024/axp-20250317.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T17:01:18.741028+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"}