How are my transactions categorized? December 13, 2018 22:53 Updated We use an internal algorithm that automatically categorizes each transaction. You are also able to manually change the category for individual transactions. Comments 0 comments Please sign in to leave a comment. Related articles How do I change my transaction category? Can I change a transaction from negative to positive (or vice-versa)? How do I earn extra cash back with NerdWallet? How do I negotiate a bill with Billshark using my NerdWallet account? How can I improve my credit score?