Matching Pairs Credit DefinitionsOnline version Credit Definitions by Ted Olivos 1 e-Alert 2 TCPA 3 EMV 4 Charge Off a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. 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. the declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected.