<PAGE>



                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              Washington, DC 20549

                              --------------------
                                    FORM 10-Q
                              --------------------

     (X) QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

                For the quarterly period ended September 30, 2001

                                       OR

     ( ) TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
                              EXCHANGE ACT OF 1934

                   For the transition period from ____ to ____

                           Commission File No. 1-6908

                       AMERICAN EXPRESS CREDIT CORPORATION
             (Exact name of Registrant as specified in its charter)

<TABLE>

<S>                                                              <C>
                    Delaware                                     11-1988350
        (State or other jurisdiction of             (I.R.S. Employer Identification No.)
         incorporation or organization)

 One Christina Centre, 301 North Walnut Street                   19801-2919
        Suite 1002, Wilmington, Delaware                         (Zip Code)
    (Address of principal executive offices)
</TABLE>

Registrant's telephone number including area code: (302) 594-3350.

-------------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report.)


THE REGISTRANT MEETS THE CONDITIONS SET FORTH IN GENERAL INSTRUCTION H(1)(a) AND
(b) OF FORM 10-Q AND HAS THEREFORE OMITTED CERTAIN ITEMS FROM THIS REPORT IN
ACCORDANCE WITH THE REDUCED DISCLOSURE FORMAT PERMITTED UNDER GENERAL
INSTRUCTIONS H(2).

Indicate by check mark whether the Registrant (1) has filed all reports required
to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934
during the preceding 12 months (or for such shorter period that the Registrant
was required to file such reports), and (2) has been subject to such filing
requirements for the past 90 days. YES [X] NO [ ]

Indicate the number of shares outstanding of each of the issuer's classes of
common stock, as of the latest practicable date.
<TABLE>
<CAPTION>


Class                               Outstanding at November 14, 2001
-----                               --------------------------------
<S>                                 <C>
Common Stock, $.10 par value        1,504,938 shares

</TABLE>





<Page>




                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                                    FORM 10-Q

                                      INDEX

<TABLE>
<CAPTION>

                                                                                           Page No.
                                                                                           --------
<S>         <C>                                                                            <C>
PART I.     FINANCIAL INFORMATION

            Item 1.  Financial Statements

                     Condensed Consolidated Statements
                     of Income and Retained Earnings - Three and Nine months ended
                     September 30, 2001 and 2000                                           3

                     Condensed Consolidated Balance
                     Sheets - September 30, 2001 and
                     December 31, 2000                                                     4

                     Condensed Consolidated Statements
                     of Cash Flows - Nine months ended
                     September 30, 2001 and 2000                                           5

                     Notes to Condensed Consolidated
                     Financial Statements                                                  6

            Item 2.  Management's Discussion and Analysis
                     of Financial Condition and Results
                     of Operations                                                         8

PART II.    OTHER INFORMATION

            Item 6.  Exhibits and Reports on Form 8-K                                      12

</TABLE>



                                      -2-




<Page>







                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                       PART I- FINANCIAL INFORMATION

Item 1.   Financial Statements


                   CONDENSED CONSOLIDATED STATEMENTS OF INCOME
                              AND RETAINED EARNINGS
                                   (millions)
                                   (Unaudited)

<TABLE>
<CAPTION>

                                                               Three Months                    Nine Months
                                                                   Ended                          Ended
                                                              September 30,                   September 30,
                                                      ---------------------------    ----------------------------
                                                            2001         2000              2001         2000
                                                            ----         ----              ----         ----
<S>                                                      <C>         <C>              <C>            <C>
   Revenues:
   Revenue earned from purchased
       accounts receivable                                 $  646      $  540             $1,953       $1,711
   Interest income from affiliates                             19          28                 69           71
   Interest income from investments                            34          48                116          129
   Other income                                                 4           -                  8            4
                                                          -------    --------             ------       ------
   Total                                                      703         616              2,146        1,915
                                                          -------    --------             ------       ------

   Expenses:
   Interest expense - affiliates                               35          56                139          154
   Interest expense - other                                   328         319              1,007          904
   Provision for doubtful accounts,
       net of recoveries                                      220         152                632          532
   Other expenses                                               6           4                 14           15
                                                          -------    --------             ------       ------
   Total                                                      589         531              1,792        1,605
                                                          -------     -------             ------       ------

   Income before taxes                                        114          85                354          310
   Income tax provision                                        39          28                119          107
                                                          -------    --------            -------       ------
   Net income                                                  75          57                235          203

   Retained earnings at beginning of period                 2,151       2,051              1,991        1,905
                                                          -------     -------            -------      -------
   Retained earnings at end of period                      $2,226      $2,108             $2,226       $2,108
                                                          =======     =======            =======      =======

</TABLE>


            See notes to condensed consolidated financial statements.



                                      -3-







<Page>





                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                      CONDENSED CONSOLIDATED BALANCE SHEETS
                                   (millions)


<TABLE>
<CAPTION>
                                                                   (Unaudited)
                                                                   September 30,           December 31,
                                                                        2001                   2000
                                                                        ----                   ----
<S>                                                                  <C>                    <C>
  Assets
  Cash and cash equivalents                                          $ 1,722                $ 1,008
  Investments                                                          1,360                  1,266

  Accounts receivable                                                 22,629                 24,710
      Less: reserve for doubtful accounts                                831                    739
                                                                    --------                -------
                                                                      21,798                 23,971

  Loans and deposits with affiliates                                   1,725                  1,742
  Deferred charges and other assets                                      618                    339
                                                                    --------                -------
  Total assets                                                       $27,223                $28,326
                                                                    ========                =======
  Liabilities and shareholder's equity
  Short-term debt with affiliates                                    $ 3,448                $ 2,285
  Short-term debt - other                                             19,166                 20,687
  Current portion of long-term debt - other                            1,100                    550
  Long-term debt with affiliates                                         910                    910
  Long-term debt - other                                                 125                    901
                                                                    --------                -------
  Total debt                                                          24,749                 25,333

  Due (from) to affiliates                                              (472)                   726
  Accrued interest and other liabilities                                 887                    115
                                                                    --------                -------
  Total liabilities                                                   25,164                 26,174
                                                                    --------                -------

  Shareholder's equity:
  Common stock                                                             1                      1
  Capital surplus                                                        161                    161
  Retained earnings                                                    2,226                  1,991
  Other comprehensive loss, net of tax:
      Net unrealized securities losses                                    (9)                    (1)
      Net unrealized derivatives losses                                 (320)                     -
                                                                    --------                -------
  Accumulated other comprehensive loss                                  (329)                    (1)
                                                                    --------                -------
  Total shareholder's equity                                           2,059                  2,152
                                                                    --------                -------
  Total liabilities and shareholder's equity                         $27,223                $28,326
                                                                    ========                =======

</TABLE>


            See notes to condensed consolidated financial statements.




                                      -4-







<Page>





                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                 CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS
                                   (millions)
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                                                               Nine Months
                                                                                                  Ended
                                                                                              September 30,
                                                                                   --------------------------------
                                                                                           2001           2000
                                                                                           ----           ----
<S>                                                                                    <C>             <C>
Cash Flows from Operating Activities:
Net income                                                                             $    235        $     203
Adjustments to reconcile net income to net cash and cash equivalents
     provided by operating activities:
     Provision for doubtful accounts, net of recoveries                                     632              532
     Amortization of deferred underwriting fees and other                                    (1)               1
     Changes in operating assets and liabilities:
         Increase in deferred tax assets                                                   (196)              (6)
         Decrease in interest receivable and other operating assets                          67              269
         Increase (decrease) in due to affiliates                                           145              (73)
         Increase (decrease) in accrued interest and other liabilities                      386             (159)
                                                                                       --------           ------
Net cash and cash equivalents provided by operating activities                            1,268              767
                                                                                       --------           ------

Cash Flows from Investing Activities:
Decrease (increase) in accounts receivable                                                1,994             (589)
Recoveries of accounts receivable previously written off                                    141              132
Purchase of participation interest in seller's interest in accounts receivable
     from an affiliate                                                                     (624)            (778)
Sale of participation interest in seller's interest in accounts receivable
     to an affiliate                                                                         32              181
Sale of net accounts receivable to an affiliate                                               -              154
Purchase of investments                                                                    (406)            (370)
Maturity of investments                                                                      54               49
Sale of investments                                                                         249                -
Decrease (increase) in loans and deposits due from affiliates                                17             (240)
(Decrease) in due to affiliates                                                          (1,343)            (117)
                                                                                        -------          -------
Net cash and cash equivalents provided by (used in) investing activities                    114           (1,578)
                                                                                        -------          -------

Cash Flows from Financing Activities:
Net increase in short-term debt with affiliates with maturities less than
      ninety days                                                                         1,163              214
Net (decrease) increase in short-term debt - other with maturities less than
     ninety days                                                                         (1,630)           5,087
Proceeds from issuance of debt                                                            4,647            2,072
Redemption of debt                                                                       (4,848)          (6,246)
                                                                                         ------           ------
Net cash and cash equivalents (used in) provided by financing activities                   (668)           1,127
                                                                                         ------           ------

Net increase in cash and cash equivalents                                                   714              316
Cash and cash equivalents at beginning of period                                          1,008            1,102
                                                                                         ------           ------
Cash and cash equivalents at end of period                                               $1,722           $1,418
                                                                                         ======           ======
</TABLE>


            See notes to condensed consolidated financial statements.



                                      -5-





<Page>





                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


              NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS


1.   Basis of Presentation

     The condensed consolidated financial statements should be read in
     conjunction with the Annual Report on Form 10-K of American Express Credit
     Corporation, including its subsidiaries where appropriate ("Credco"), for
     the year ended December 31, 2000. Significant accounting policies disclosed
     therein have not changed, except as disclosed in Note 5.

     The condensed consolidated financial statements are unaudited; however, in
     the opinion of management, they include all adjustments (consisting of
     normal recurring adjustments) necessary for a fair presentation of the
     consolidated financial position of Credco at September 30, 2001 and the
     consolidated results of its operations and changes in its retained earnings
     for the three and nine-month periods ended September 30, 2001 and 2000 and
     cash flows for the nine-month periods ended September 30, 2001 and 2000.
     Results of operations reported for interim periods are not necessarily
     indicative of results for the entire year.

2.   Investments

     The following is a summary of investments at September 30, 2001 and
     December 31, 2000. Pursuant to the adoption of Statement of Financial
     Accounting Standards No. 133, "Accounting for Derivative Instruments and
     Hedging Activities," as amended ("SFAS No. 133"), Credco elected to
     reclassify its held to maturity investments to available for sale as of
     January 1, 2001.

<TABLE>
<CAPTION>
        ($ in millions)                                                       September 30,      December 31,
                                                                                  2001               2000
                                                                                  ----               ----
<S>                                                                              <C>               <C>
        Held to Maturity, at amortized cost (fair value: September 30,
              2001-$0; December 31, 2000-$196)                                   $    -            $  194

        Available for Sale, at fair value (cost: September 30,
              2001-$1,374; December 31, 2000-$1,073)                              1,360             1,072
                                                                                 ------            ------
        Total                                                                    $1,360            $1,266
                                                                                 ======            ======
</TABLE>

3.   Comprehensive Income (Loss)

     Comprehensive income (loss) is defined as the aggregate change in
     shareholder's equity, excluding changes in ownership interests. For Credco,
     it is the sum of net income and changes in unrealized gains or losses on
     available for sale securities and unrealized gains or losses on derivatives
     (pursuant to SFAS No. 133). The components of comprehensive income (loss),
     net of related tax, for the three and nine months ended September 30, 2001
     and 2000 were as follows:



                                      -6-






<Page>



                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


3.    Comprehensive Income (Loss) (continued)

<TABLE>
<CAPTION>
                                                              Three Months                   Nine Months
          ($ in millions)                                         Ended                         Ended
                                                              September 30,                 September 30,
                                                         ------------------------      ------------------------
                                                             2001        2000             2001         2000
                                                             ----        ----             ----         ----
<S>                                                          <C>          <C>              <C>         <C>
          Net income                                         $  75        $ 57             $ 235       $ 203
          Change in:
               Net unrealized securities losses                  -           2                (8)          1
               Net unrealized derivatives losses*             (133)          -              (320)          -
                                                             ------      -----             ------      -----
          Total                                              $ (58)      $  59             $ (93)      $ 204
                                                             ======      =====             ======      =====
</TABLE>

     *The change in net unrealized derivative losses for the nine months ended
     September 30, 2001 includes the January 1, 2001 SFAS No. 133 transition
     effect of $59 million in net unrealized losses. At September 30, 2001, $320
     million of net after-tax losses were recorded in other comprehensive loss
     on the consolidated balance sheet; this is compared with $187 million at
     June 30, 2001 and $86 million at March 31, 2001. The increase during the
     third quarter is primarily related to interest rate derivatives used as
     cash flow hedges. These losses will be recognized in earnings at the same
     time that Credco realizes the benefits of lower market rates of interest on
     its funding activities.

4.   Asset Securitizations

     In the first nine months of 2001, the American Express Credit Account
     Master Trust (the "Credit Master Trust"), a master trust formed by American
     Express Travel Related Services Company, Inc. ("TRS"), which is a
     wholly-owned subsidiary of American Express Company, securitized $4.3
     billion of loans through the public issuances of two classes of investor
     certificates and privately placed collateral interests in the assets of the
     Credit Master Trust. At the time of these issuances, Credco Receivables
     Corp. ("CRC"), a wholly-owned subsidiary of Credco, sold $32.5 million of
     gross seller's interest ($31.7 million, net of reserves) to American
     Express Receivables Financing Corporation II ("RFCII"), a wholly-owned
     subsidiary of TRS. In addition, CRC purchased $406 million of Class C
     Certificates issued by the Credit Master Trust.

5.   Derivative Instruments and Hedging Activities

     Effective January 1, 2001, Credco adopted SFAS No. 133, which establishes
     the accounting and reporting standards for derivative instruments and
     hedging activities. It requires that an entity recognize all derivatives as
     either assets or liabilities on the balance sheet and measure those
     instruments at fair value. Changes in the fair value of a derivative are
     recorded in earnings or directly to equity, depending on the instrument's
     designated use. Those derivative instruments that are designated and
     qualify as hedging instruments are further classified as either a cash flow
     hedge, a fair value hedge, or a hedge of a net investment in a foreign
     operation, based upon the exposure being hedged.



                                      -7-








<Page>




                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


6.   Taxes and Interest

     For the nine-month periods ended September 30, 2001 and 2000, Credco paid
     $877 million and $1.1 billion of interest, respectively. Net income taxes
     paid for each of the nine-month periods ended September 30, 2001 and 2000
     were $103 million and $188 million, respectively.

Item 2. Management's Discussion and Analysis of Financial Condition and Results
of Operations

Liquidity and Capital Resources

At September 30, 2001, American Express Credit Corporation, including its
subsidiaries where appropriate ("Credco"), had the ability to issue $4.4 billion
of debt under a Euro Medium-Term Note program for the issuance of debt outside
the United States to non-U.S. persons. This program was established by Credco,
American Express Travel Related Services Company, Inc. ("TRS"), a wholly-owned
subsidiary of American Express Company ("American Express"), American Express
Centurion Bank ("Centurion Bank"), a wholly-owned subsidiary of TRS, American
Express Overseas Credit Corporation Limited ("AEOCC"), a wholly-owned subsidiary
of Credco, and American Express Bank Ltd., a wholly-owned indirect subsidiary of
American Express. The maximum aggregate principal amount of debt instruments
outstanding at any one time under the program will not exceed $6.0 billion.

At September 30, 2001, Credco had the ability to issue approximately $2.4
billion of medium- and long-term debt and warrants under shelf registrations
filed with the Securities and Exchange Commission.

Committed credit line facilities at September 30, 2001 and 2000 totaled $10.4
billion and $9.5 billion, respectively.

Subsequent to the terrorist attacks of September 11th, 2001, American Express'
A+ and its subsidiaries' (including Credco's) credit ratings were affirmed by
Standard & Poor's and Fitch, two credit rating agencies. At the same time,
however, each agency revised its respective rating outlook on American Express
and its subsidiaries from stable to negative in light of the ensuing weak
climate for business and consumer travel and spending and weaker capital
markets. In their statements, the rating agencies indicated that while American
Express has significant financial resources to address short-term business
volume disruptions, if business volumes remained depressed for an extended
period, its credit ratings would be under pressure.

Results of Operations

Credco purchases Cardmember receivables without recourse from TRS.
Non-interest-bearing charge Cardmember receivables are purchased at face amount
less a specified discount agreed upon from time to time, and interest-bearing
revolving credit Cardmember receivables are generally purchased at face amount.
Non-interest-bearing receivables are purchased under Receivables Agreements that
generally provide that the discount rate shall not be lower than a rate that
yields earnings of at least 1.25 times fixed charges on an annual basis. The
ratio of earnings to fixed charges for the nine-month periods ended September
30, 2001 and 2000 was 1.31 and 1.29, respectively. The ratio of earnings to
fixed charges for American Express, the parent of TRS, for the nine-month
periods ended September 30, 2001 and 2000 was 1.51 and 2.30, respectively. The
Receivables Agreements also provide that consideration will be given from time
to time to revising the discount rate applicable to purchases of new receivables
to reflect changes in money market interest rates or significant changes in the
collectibility of the receivables. Pretax income depends primarily on the volume
of Cardmember receivables purchased, the discount rates applicable thereto, the
relationship of total discount to Credco's interest expense and the
collectibility of receivables purchased.

Credco purchased $154 billion and $150 billion of Cardmember receivables during
the nine-month periods ended September 30, 2001 and 2000, respectively. At
September 30, 2001 and December 31, 2000, Credco owned $19.0 billion and $22.6




                                      -8-






<Page>




                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)



billion, respectively, of charge Cardmember receivables of which $3.1 billion
and $4.3 billion, respectively, were participation interests owned by Credco
Receivables Corp. ("CRC"), a wholly-owned subsidiary of Credco. CRC owns a
participation in the seller's interest in charge Cardmember receivables that
have been conveyed to the American Express Master Trust (the "Trust").

In addition, at September 30, 2001 and December 31, 2000, Credco owned extended
payment plan receivables totaling $3.6 billion and $2.1 billion, respectively,
including revolving credit loans purchased directly from Centurion Bank. The
extended payment plan receivables owned at September 30, 2001 and December 31,
2000 include $216 million and $277 million, respectively, of participation
interest owned by CRC. This represents a participation interest in the seller's
interest in revolving credit receivables that have been conveyed to the American
Express Credit Account Master Trust (the "Master Trust"), formed in 1996 to
securitize revolving credit loans.

For the nine-month periods ended September 30, 2001 and 2000, the average life
of Cardmember receivables owned by Credco was 41 days and 42 days, respectively.

Credco's write-offs, net of recoveries, as a percentage of the volume of
Cardmember receivables purchased for the nine-month periods ended September 30,
2001 and 2000 was .39 percent and .32 percent, respectively.

Credco's increase in revenues for the nine-month period ended September 30, 2001
is primarily attributable to higher discount rates. Interest income decreased
for the nine-month period ended September 30, 2001 as a result of lower interest
rates. Interest expense increased for the nine months ended September 30, 2001
due primarily to an increase in average debt outstanding. Provision for doubtful
accounts for the nine-month period increased reflecting a higher volume of
receivables purchased and an increase in provision rates.




                                      -9-







<Page>





                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


The following is an analysis of the increase (decrease) in key revenue and
expense accounts for the nine-month period ended September 30, 2001, compared
with the nine-month period ended September 30, 2000 ($ in millions):

<TABLE>
<CAPTION>
                                                                                 Nine-
                                                                                 Month
                                                                                 Period
                                                                                 ------
<S>                                                                             <C>
  Revenue earned from purchased accounts receivable -
  changes attributable to:
       Volume of receivables purchased                                            37
       Discount and interest rates                                               205
                                                                                 ---
           Total                                                                 242
                                                                                 ===
  Interest income from affiliates - changes attributable to:
       Volume of average investments outstanding                                  18
       Interest rates                                                            (20)
                                                                                 ----
           Total                                                                  (2)
                                                                                 ====
  Interest income from investments - changes attributable to:
       Volume of average investments outstanding                                  21
       Interest rates                                                            (34)
                                                                                 ----
           Total                                                                 (13)
                                                                                 ====
  Interest expense - affiliates - changes attributable to:
       Volume of average debt outstanding                                         39
       Interest rates                                                            (54)
                                                                                 ----
           Total                                                                 (15)
                                                                                 ====
  Interest expense - other - changes attributable to:
       Volume of average debt outstanding                                         23
       Interest rates                                                             80
                                                                                  --
           Total                                                                 103
                                                                                 ===
  Provision for doubtful accounts - changes attributable to:
       Volume of receivables purchased                                            17
       Provision rates and volume of recoveries                                   83
                                                                                  --
           Total                                                                 100
                                                                                 ===
</TABLE>



                                      -10-







<Page>




                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


         The following is an analysis of Cardmember reserve for doubtful
accounts ($ in millions):

<TABLE>
<CAPTION>
                                                        2001           2000
                                                        ----           ----
<S>                                                     <C>            <C>
                 Balance, January 1                     $739           $684
                 Provision for losses                    773            664
                 Accounts written off                   (743)          (611)
                 Other                                    62              3
                                                        ----           ----
                 Balance, September 30                  $831           $740
                                                        ====           ====
</TABLE>


         The following table shows the aging of charge Cardmember receivables:

<TABLE>
<CAPTION>
                                                           September 30,
                                                   -------------------------------
                                                       2001            2000
                                                       ----            ----
<S>                                                    <C>             <C>
                 Current                                84.2%          83.5%
                 30 to 59 days                          10.2           11.8
                 60 to 89 days                           2.1            2.0
                 90 days and over                        3.5            2.7
</TABLE>





                                      -11-






<Page>




                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                           PART II. OTHER INFORMATION

Item 6. Exhibits and Reports on Form 8-K

                  (a)      Exhibits:

                           12.1     Computation in support of ratio of earnings
                                    to fixed charges of American Express Credit
                                    Corporation.

                           12.2     Computation in support of ratio of earnings
                                    to fixed charges of American Express
                                    Company.



                  (b)      Reports on Form 8-K:

                           None.



                                      -12-







<Page>



                       AMERICAN EXPRESS CREDIT CORPORATION
                 (a wholly-owned subsidiary of American Express
                     Travel Related Services Company, Inc.)


                                   SIGNATURES

Pursuant to the requirement of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.

                              AMERICAN EXPRESS CREDIT CORPORATION
                              (Registrant)

DATE:  November 14, 2001      By   /s/Walker C. Tompkins, Jr.
                                   --------------------------
                                   Walker C. Tompkins, Jr.
                                   President and Chief Executive Officer


                                   /s/Erich Komdat
                                   --------------------------
                                   Erich Komdat
                                   Vice President and Chief Accounting Officer

                                  EXHIBIT INDEX

                     Pursuant to Item 601 of Regulation S-K

<TABLE>
<CAPTION>
                           Description                               How Filed
                           -----------                               ---------
<S>            <C>                                               <C>
Exhibit 12.1   Computation in Support of Ratio of                Electronically filed herewith.
               Earnings to Fixed Charges of American
               Express Credit Corporation.

Exhibit 12.2   Computation in Support of Ratio of                Electronically filed herewith.
               Earnings to Fixed Charges of American Express
               Company.
</TABLE>




                                      -13-