Well we will have to see that instructions the IRS puts out on this matter since you will not be the only person who did this by mistake. The CC reporting companies warned you late in 2021 & again in early 2022 to make sure you were using the app correctly and about the change in the reporting requirements however the IRS has not yet posted specific filing instructions on how to report it on the tax return. Ask again next February if you don't find any resolution by then.
