{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000302","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-07-15T16:00:29+00:00","discovered_at":"2026-07-15T16:01:03.564495+00:00","generated_at":"2026-07-15T16:01:14.532609+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"AXP June credit metrics: Consumer net write-off 1.4% (down 0.6pp MoM), Small Business 2.3% (down 0.3pp)","bullets":["U.S. Consumer card balances $113.8B; 30+ day past due 1.1%; net write-off rate 1.4% for June (down from 2.0% in May).","U.S. Small Business card balances $45.9B; 30+ day past due 1.4%; net write-off rate 2.3% for June (down from 2.6% in May).","Sale of previously written-off balances reduced June net write-off rates by ~0.3% for Consumer and ~0.1% for Small Business.","Lending Trust annualized default rate for June 0.7% (down from 1.2% in May and 1.3% in April)."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000302","json":"https://secwatch.observer/filing/0000004962-26-000302.json","markdown":"https://secwatch.observer/filing/0000004962-26-000302.md","text":"https://secwatch.observer/filing/0000004962-26-000302.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000302/0000004962-26-000302-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000302/axp-20260715.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-15T16:01:14.532609+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"}