---
schema_version: "secwatch.filing_event.v1"
accession: "0000004962-26-000353"
form_type: "8-K"
ticker: "AXP"
cik: "0000004962"
company_name: "AMERICAN EXPRESS CO"
filed_at: "2026-09-15T11:35:25+00:00"
generated_at: "2026-09-15T11:40:17.159837+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# AmEx reports August credit stats: consumer write-off 1.7%, small business 2.2%; balances flat

## Summary
- U.S. Consumer card balances $114.2B at Aug 31; 30+ days past due 1.1%; net write-off rate 1.7% (unchanged from July).
- U.S. Small Business balances $46.1B; 30+ days past due 1.3%; net write-off rate 2.2%, down from 2.6% in July.
- June 2026 sale of previously written-off balances cut net write-off rates by ~0.3% (consumer) and ~0.1% (small business) for that month.
- Total held-for-investment balances $160.3B at Aug 31, up from $159.2B at July 31; Lending Trust default rate 1.0% in August.

## SEC filing metadata
- accession: 0000004962-26-000353
- form_type: 8-K
- ticker: AXP
- cik: 0000004962
- company_name: AMERICAN EXPRESS CO
- filed_at: 2026-09-15T11:35:25+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/4962/000000496226000353/0000004962-26-000353-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/4962/000000496226000353/axp-20260915.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000004962-26-000353
- JSON: https://secwatch.observer/filing/0000004962-26-000353.json
- Plain text: https://secwatch.observer/filing/0000004962-26-000353.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.