{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000345","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-08-17T16:00:28+00:00","discovered_at":"2026-08-17T16:01:31.642148+00:00","generated_at":"2026-08-17T16:01:55.794526+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"AXP July credit stats: consumer net write-off 1.7%, small biz 2.6%; balances flat","bullets":["U.S. Consumer card balances $113.1B at July 31; 30+ days past due 1.1%; net write-off rate 1.7% for July.","U.S. Small Business card balances $46.1B; 30+ days past due 1.3%; net write-off rate 2.6% for July.","June net write-off rates adjusted for sale of written-off balances: consumer cut by 0.3pp, small business by 0.1pp.","Lending Trust: ending principal $24.9B; annualized default rate 1.1% for July vs 0.7% June (adjusted)."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000345","json":"https://secwatch.observer/filing/0000004962-26-000345.json","markdown":"https://secwatch.observer/filing/0000004962-26-000345.md","text":"https://secwatch.observer/filing/0000004962-26-000345.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000345/0000004962-26-000345-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000345/axp-20260817.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-17T16:01:55.794526+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"}