I hope this isn’t posted somewhere else, however it would make sense (to me anyway) if Emma could differentiate between “Everyday” Credit Card(s) and those with a balance (Debt) - that you may use on balance transfer deals/paying for large costs and repaying over time - loan style categorisation.
For my case for example, I use two cards - Amex and Monzo Flex (for places that do not take Amex) - the setup as is works great for this, budgeting, payments excluded from analytics.
It gets muddied with credit cards with an ongoing balance, where the payments made monthly are like a bill, chipping away at a debt.