(https://www.cnbc.com/2026/08/17/synchrony-openai-chatgpt-shopping.html) ChatGPT payment integration taking 6-12 months to launch. Sounds futuristic. Reality check: Synchrony's credit card receivables are sitting on tighter margins while consumer spending stress is migrating upmarket (as we saw in July retail). The AI payment layer doesn't matter if the underlying credit box is compressing.

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