American Express July U.S. consumer card net write-off rate rises to 1.7%

• American Express reported July 31, 2026 U.S. Consumer card balances held for investment of USD 113.1 billion, down 0.6% from USD 113.8 billion.
• U.S. Consumer 30-days past due stayed at 1.1%; net write-off rate rose to 1.7% from 1.4% in June.
• U.S. Small Business card balances increased 0.4% to USD 46.1 billion from USD 45.9 billion; 30-days past due fell to 1.3% from 1.4%.
• U.S. Small Business net write-off rate increased to 2.6% from 2.3% in June.
• Total U.S. Consumer and U.S. Small Business balances held for investment slipped 0.3% to USD 159.2 billion from USD 159.7 billion.

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