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