{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000383","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-10-15T16:00:20+00:00","discovered_at":"2026-10-15T16:01:00.255701+00:00","generated_at":"2026-10-15T16:01:02.573052+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"Amex Sept US Consumer net write-off rate falls to 1.5%; 30+ day delinquency ticks up to 1.2%","bullets":["U.S. Consumer Card net write-off rate (principal only) was 1.5% in September vs 1.7% in August and July; 1.6% for the three months ended Sept 30, 2026.","U.S. Consumer Card 30+ days past due rose to 1.2% of total from 1.1% in each of the prior two months; total balances $114.3B.","U.S. Small Business Card net write-off rate improved to 2.1% in September from 2.2% in August and 2.6% in July; 30+ delinquency 1.4% vs 1.3%.","Combined U.S. Consumer and Small Business Card balances held for investment totaled $160.9B at Sept 30, 2026, up from $159.2B at July 31.","American Express Credit Account Master Trust ending principal balance $24.7B in September; annualized default rate net of recoveries 1.0%, down from 1.1% in July."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000383","json":"https://secwatch.observer/filing/0000004962-26-000383.json","markdown":"https://secwatch.observer/filing/0000004962-26-000383.md","text":"https://secwatch.observer/filing/0000004962-26-000383.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000383/0000004962-26-000383-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000383/axp-20261015.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T16:01:02.573052+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"}