Can a credit card company collect on a charged off account after 7 years?

Your state's Statute of Limitations law will provide you with the answer to that question. Charging off a debt is essentially just a bookkeeping term, and does not affect the company's ability to collect the debt from you. The seven-year time frame you reference is related only to how long it can be reported on your credit file, and is completely separate from the Statute of Limitations, which can be anywhere from 3 to 10 years or more. Of course, I'm not a lawyer and this should not be construed as legal advice, but rather general information based on my experiences and research. I make no guarentee as to the accuracy of the information.