American Express Reports Slight Rise in Loan Write-Off Rates for November 2025
American Express Company released updated delinquency and write-off statistics for its U.S. Consumer and U.S. Small Business Card Member loans held for investment for the months ending September 30, October 31, and November 30, 2025. Total Card Member loans held for investment increased from $124.8 billion in September to $126.4 billion in October and $129.1 billion in November. The net write-off rate for the American Express Credit Account Master Trust, based on principal only, rose from 2.5% in September to 2.6% in October and 2.7% in November. Average loans in the Lending Trust also increased, from $30.8 billion in September to $31.0 billion in October and $31.3 billion in November. The company noted that monthly statistics may be affected by factors such as the number of days in a month, holidays, seasonality, and timing of third-party information.
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