the correct word for charge-off is "charge-off". Write-off is an accounting term, which means that in accounting treatment, the original account is written off because of an error or the need to adjust the account, so as to avoid inflated or inflated assets or liabilities. The specific operation is usually to make an opposite record to achieve positive and negative cancellation. However, "charge account" is not a standard accounting term, nor is it a correct expression. In the accounting field, the correct word is "charge account" instead of "charge account". "Charge account" is an accounting term, which means that in accounting treatment, the original account is written off because of an error or the need to adjust the account to avoid inflated or inflated assets or liabilities. Write-off is usually a remedial measure when mistakes are found or accounts need to be adjusted. In contrast, "charge account" is not a standard accounting term, nor is it a correct expression. In the field of accounting, there is no such word as "charge account", so it is more accurate and standardized to use "charge account". Therefore, the correct statement is "offset", not "charge". In the field of accounting, the use of the word "offset" can express the meaning more accurately.