How do I automate categorizing transfers/credit card payments?

Ok, so I've read all the posts and there doesn't seem to be any recommendations so far in regards to how to categorize transfers for accounts with automatic downloads and where we do NOT want to manually create transfer transactions before we sync. (I repeat... I have no desire to manually enter my transfer transactions, at all, especially for EVERY single transfer transaction I do in a month... that would make my life harder).

I tried to follow the instructions in this help page but I don't have a Transfer category. Do I just manually create it? Or is this article out of date?

https://help.quicken.com/display/MAC/Transferring+money+between+accounts

I'm having the same issues as everyone else.

  • My credit card downloads the received payment transaction and my checking account downloads the sent payment transaction.
  • Quicken doesn't auto tie them together.
  • Quicken auto categorizes most of my payments in my checking account with a category of [My Checking XX8888], which I agree with others, is a bug. They are not transferring to themselves so Quicken is categorizing them incorrectly.
  • I get the dreaded "You are recording a transfer back into the same account" if I:
    • Edit the Payee name of a transaction Quicken auto categorized within the same account
    • Change the Category to point to another account

Here's the thing, Quicken is buggy with matching transactions in order to connect them. Ok. Then I'll turn that off and I'm happy to use a generic Transfer category or Credit Card Payment category. I don't really see the benefit of the transactions being linked anyway since the Payee name gives me that info. I just need to know how to set that up. The article speaks of these categories as if they already exist. They do not.

Note/Disclaimer: My transactions ALL have plenty of information in the Payee name in order to map them to one another. I can see the info when I create a renaming rule. So really, this should be working better. Just for those who like to use this as an excuse as to why it's not working well. :)