SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): January 23, 2013
AMERICAN EXPRESS CREDIT CORPORATION
(Exact name of registrant as specified in its charter)
Registrant's telephone number, including area code: (866) 572-4944
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
Item 2.02 Results of Operations
For the year ended December 31, 2012, American Express Credit Corporation (the “Company”) expects to report (a) net income of $339 million compared to $397 million for the year ended December 31, 2011, (b) provisions for losses of $143 million compared to $80 million for the year ended December 31, 2011 and (c) a ratio of earnings to fixed charges of 1.38 compared to 1.49 for the year ended December 31, 2011. These results represent preliminary estimates for the year ended December 31, 2012.
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: January 23, 2013