Clarify that MCC default categories are configured under Categories > Settings, not Rules

Concierge was incorrectly directing users to the Rules page to change MCC
group-to-category defaults. The correct location is Workspace > Categories > Settings.

- Added MCC Default Categories subsection to Create-expense-categories.md
- Updated Workspace-Rules.md to explicitly state this is not configured on the Rules page
  and cross-reference the Categories article
- Updated Require-tags-and-categories-for-expenses.md to mention MCC-based defaults

Co-authored-by: David Barrett <quinthar@users.noreply.github.com>

Author: MelvinBot

docs/articles/new-expensify/workspaces/Create-expense-categories.md

@@ -114,6 +114,18 @@ Expensify learns your category preferences over time and suggests them automatic
 - Existing expenses are not updated retroactively.
 - These suggestions are based on patterns and may vary by user.
 
+## MCC Default Categories
+
+Expensify can automatically assign a default category based on the merchant's MCC (Merchant Category Code). For example, you can set all airline expenses to default to a "Flights" category.
+
+To manage MCC default categories:
+
+1. In the **navigation tabs** (on the left on web, and at the bottom on mobile), click **Workspaces**.
+2. Click your **workspace name**.
+3. Click **Categories**.
+4. Click **Settings** in the top-right.
+5. Update the default category for any MCC group (e.g., Airlines, Gas, Groceries).
+
 ## Workspace Merchant Rules
 
 Workspace Admins can configure [**Workspace Merchant Rules**](https://help.expensify.com/articles/new-expensify/workspaces/Workspace-Merchant-Rules) to apply consistent categories based on merchant name across all workspace members.

docs/articles/new-expensify/workspaces/Require-tags-and-categories-for-expenses.md

@@ -38,7 +38,7 @@ When this setting is turned on, expenses must include a **tag** or **category**
 
 # Default Spend Categories
 
-Expensify learns how you categorize expenses by merchant and automatically applies those preferences going forward. You can always update or override a category, and Expensify will learn your changes over time.
+Expensify can automatically assign categories based on the merchant's MCC (Merchant Category Code). For example, airline expenses can default to a "Flights" category. Expensify also learns how you categorize expenses by merchant and applies those preferences going forward. You can always update or override a category, and Expensify will learn your changes over time.
 
 ## Manage Default Spend Categories
 

docs/articles/new-expensify/workspaces/Workspace-Rules.md

@@ -137,9 +137,9 @@ Available option:
 
 # How to manage default categories and billable behavior
 
-You can set workspace-wide defaults to automate categorization and tagging.
+You can set workspace-wide defaults to automate categorization and tagging. These settings are **not** configured on the Rules page.
 
-- **Default categories** – Auto-assign a category based on the merchant’s MCC. Set this under **Categories > Settings**.
+- **Default categories** – Auto-assign a category based on the merchant’s MCC (Merchant Category Code). This is configured under **Categories > Settings**, not under Rules. See [Create Expense Categories](https://help.expensify.com/articles/new-expensify/workspaces/Create-expense-categories) for step-by-step instructions.
 - **Billable expenses** – Decide when tagging is required based on whether an expense is marked billable. Set this under **Tags > Settings**.
 
 **Note:** Default category and billable settings use general automation logic. If you need consistent, merchant-specific outcomes that apply across all members, use **Workspace Merchant Rules** instead.