{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000265","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-12-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.844442+00:00","generated_at":"2026-05-16T13:16:59.058934+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"AmEx Nov 2025 credit stats: U.S. Consumer net write-off 2.1%, Small Business 2.7%","bullets":["Total U.S. Consumer and Small Business card loans held for investment $129.1B as of Nov 30, 2025.","U.S. Consumer 30+ day delinquency rate unchanged at 1.4%; net write-off rate (principal) 2.1% vs 2.2% in Oct.","U.S. Small Business 30+ day delinquency rate unchanged at 1.6%; net write-off rate 2.7% vs 2.6% in Oct.","Lending Trust Nov annualized default rate (net of recoveries) 1.2%; 30+ day delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000265","json":"https://secwatch.observer/filing/0000004962-25-000265.json","markdown":"https://secwatch.observer/filing/0000004962-25-000265.md","text":"https://secwatch.observer/filing/0000004962-25-000265.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000265/0000004962-25-000265-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000265/axp-20251215.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T13:16:59.058934+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"}