{"schema_version":"secwatch.filing_event.v1","accession":"0001407200-24-000003","form_type":"8-K","ticker":null,"cik":"0001407200","company_name":"Discover Card Execution Note Trust","filed_at":"2024-01-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.081239+00:00","generated_at":"2026-06-06T23:50:46.005354+00:00","sec_items":["6.05","8.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"confidence":"high","headline":"Discover Card Trust portfolio: $30.44B receivables, 1.59% delinquency rate as of Dec 31, 2023","bullets":["Total receivables $30.44B from 13.38M accounts; average balance $3,438, average credit limit $13,892.","Delinquent receivables 1.59% ($483.5M); accounts delinquent 0.39% (51,510 accounts).","FICO scores: 68.87% of receivables from accounts with score 720+, 23.93% 660-719, 4.96% 600-659.","Payment rates: full balance payment rate 26.20%; minimum payment rate 6.23% for month ended Dec 31, 2023.","Geographic concentration: top 9 states (TX, CA, NY, FL, IL, PA, OH, NJ, GA) comprise ~50.99% of receivables."],"urls":{"canonical":"https://secwatch.observer/filing/0001407200-24-000003","json":"https://secwatch.observer/filing/0001407200-24-000003.json","markdown":"https://secwatch.observer/filing/0001407200-24-000003.md","text":"https://secwatch.observer/filing/0001407200-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1407200/000140720024000003/0001407200-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/894327/000140720024000003/qtrly_dcmtxdcentxasofdecem.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T23:50:46.005354+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"}