{"schema_version":"secwatch.filing_event.v1","accession":"0001407200-23-000020","form_type":"8-K","ticker":null,"cik":"0001407200","company_name":"Discover Card Execution Note Trust","filed_at":"2023-07-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.812721+00:00","generated_at":"2026-06-13T08:08:43.445256+00:00","sec_items":["6.05","8.01"],"event_type":"other","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"confidence":"high","headline":"Discover Card Master Trust I portfolio update as of June 30, 2023: $25.0B receivables, 1.41% delinquency rate","bullets":["Total receivables $25.0B across 12.0M accounts; average account balance $3,246 and average credit limit $13,860.","100% of accounts are seasoned 60+ months; 67.85% of receivables from FICO scores 720+.","Delinquency rate 1.41% of receivables (30+ days); top 9 states comprise ~51% of receivables (TX 8.79%, CA 7.32%).","Monthly minimum payment rate 5.72%; full balance payment rate 26.86%; average monthly balance reduction rate 0.81% for six months ended June 30, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001407200-23-000020","json":"https://secwatch.observer/filing/0001407200-23-000020.json","markdown":"https://secwatch.observer/filing/0001407200-23-000020.md","text":"https://secwatch.observer/filing/0001407200-23-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1407200/000140720023000020/0001407200-23-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894327/000140720023000020/qtrly_dcmtxdcentxasofjune3.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T08:08:43.445256+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"}