{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000157","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-08-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.119809+00:00","generated_at":"2026-05-17T12:37:59.495258+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"American Express reports July U.S. card loan credit metrics: mixed write-off trends","bullets":["U.S. Consumer net write-off rate 2.0% in July, down from 2.1% in June; 30+ days past due unchanged at 1.3%.","U.S. Small Business net write-off rate rose to 2.7% in July from 2.6% in June and 2.4% in May; 30+ days past due steady at 1.6%.","Total U.S. card loans held for investment $124.2B in July, up from $122.7B in June.","Lending Trust annualized default rate fell to 1.1% in July from 1.3% in June; total 30+ days delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000157","json":"https://secwatch.observer/filing/0000004962-25-000157.json","markdown":"https://secwatch.observer/filing/0000004962-25-000157.md","text":"https://secwatch.observer/filing/0000004962-25-000157.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000157/0000004962-25-000157-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000157/axp-20250815.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T12:37:59.495258+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"}