{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000249","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-05-15T16:00:46+00:00","discovered_at":"2026-05-15T16:02:00.435876+00:00","generated_at":"2026-05-15T16:06:04.778838+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"AMEX April credit: US Consumer write-off 2.1%; Small Biz 2.4%; delinquencies improve","bullets":["Total Card balances $157.2B, up 1.2% from March; US Consumer $111.4B, Small Biz $45.8B.","US Consumer 30+ day delinquency 1.2% (down 10 bps MoM); net write-off rate 2.1% (up 10 bps).","Small Business 30+ day delinquency 1.5% (down 10 bps); net write-off rate 2.4% (down 20 bps).","Lending Trust annualized default rate 1.3% for April, stable versus prior months.","Disclosure updated to combine revolve-eligible and pay-in-full Card balances."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000249","json":"https://secwatch.observer/filing/0000004962-26-000249.json","markdown":"https://secwatch.observer/filing/0000004962-26-000249.md","text":"https://secwatch.observer/filing/0000004962-26-000249.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000249/0000004962-26-000249-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000249/axp-20260515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T16:06:04.778838+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"}