Matching Pairs Credit DefinitionsOnline version Credit Definitions by Ted Olivos 1 TCPA 2 Charge Off 3 e-Alert 4 EMV text messages and emails about your balances, payments due, suspicious debit card activity, and more. restricts telephone solicitations (i.e., telemarketing) and the use of automated telephone equipment. a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected.