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As a result, debt collectors can still call or sue you to collect the debt even after it is written off.

By writing off your debt, the credit card company gets to deduct it as a loss on its financial statements and tax returns.

Having a charge-off on your credit report usually has a negative impact on your credit score.At the Company’s sole discretion, the Company may choose to substitute a similar loyalty program for the Loyalty Program at any time immediately upon notice to active Loyalty Members.If the Loyalty Program is terminated, all unredeemed Points will be forfeited without any obligation or liability, and no Redemption Award claims or promotional Award claims will be honored after the conclusion of the notice period.Writing off a debt allows a credit card company to report it as a loss and reduce its tax liability.But it does not eliminate your obligation to pay the debt.

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