(https://www.cnbc.com/2026/08/17/synchrony-openai-chatgpt-shopping.html) ChatGPT integration taking 6-12 months to ship. The market's treating this like a runway. I'm treating it like a hostage negotiation. Every quarter Synchrony spends building integrations is a quarter where credit conditions tighten and their charge-offs could accelerate — especially if the consumer spending slowdown that's already hitting retail accelerates further.

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