{"schema_version":"secwatch.filing_event.v1","accession":"0001407200-23-000004","form_type":"8-K","ticker":null,"cik":"0001407200","company_name":"Discover Card Execution Note Trust","filed_at":"2023-01-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:44.790709+00:00","generated_at":"2026-06-20T15:15:41.612835+00:00","sec_items":["6.05","8.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Discover Card Trust portfolio: $25.76B receivables, 12.27M accounts, 1.27% delinquency as of Dec 2022","bullets":["Total receivables $25.76B, total accounts 12.27M; average account balance $3,256, avg credit limit $13,694.","Top states by receivables: Texas 8.74%, California 7.30%, New York 6.31%, Florida 6.08%.","Delinquency: 30+ days $326.7M (1.27% of receivables); accounts delinquent 39,225 (0.32%).","FICO score: 67.8% of receivables from accounts with score 720+; 2.08% below 600.","Payment rates: minimum monthly 5.95%, full balance 26.36%; balance reduction avg 0.88%."],"urls":{"canonical":"https://secwatch.observer/filing/0001407200-23-000004","json":"https://secwatch.observer/filing/0001407200-23-000004.json","markdown":"https://secwatch.observer/filing/0001407200-23-000004.md","text":"https://secwatch.observer/filing/0001407200-23-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1407200/000140720023000004/0001407200-23-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894327/000140720023000004/qtrly_dcmtxdcentxasofdecem.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:15:41.612835+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"}