Formal and informal table settings aren't fussy or archaic. Quite the opposite -- they are practical rules that take the guesswork out of setting a table. The charger plate is the keystone of each table setting by providing the center around which the setting functions and your dinner flourishes.
Whether the charger plate is called the "chop plate," the "under plate" or "service plate," it always has the same purpose. The charger plate rests under another food-safe dish, whether it's a soup bowl or salad plate.
Since chargers are placed underneath dinnerware, they help retain the dinnerware's heat.
Chargers are used as part of informal and formal table settings. When used during informal meals, the charger can be used as an accessory throughout the entire meal. The formal rules are more stringent:
It is poor etiquette to not have the charger plates ready when guests arrive at the table.
Wait until dessert is ready to be served before removing the charger plate. The charger must stay on the table until it is replaced by another plate.
When not in use for formal or informal dinners, use your chargers as part of your decor.