What are the luxury charges on a credit card?

As per the bankruptcy law, since it is difficult for a creditor to prove a debtor’s intent to not pay a debt, the creditor can charge the debtor as a presumption of fraud.
1. Luxury goods or services
2. To cash advances.

If you use $650-$675 in “luxury goods or services” through a single creditor just before filing the bankruptcy(90 days before), then the debt will be considered as presumed not to be discharged.

if you swipe more than $675 in any credit card to buy any luxury good about 90 days before filing a bankruptcy, the it's considered to be a luxury charge, and usually the debt is not discharged. It is also considered to be a fraudulent intent to file bankruptcy.

I agree with Mebelle, but as a consumer you must know what items are considered as luxury items. Usually, items include vacation expenses, designer or excessive clothing purchases, expensive cosmetics, furnishings and household goods, jewelry, cologne, coffee maker, magazine subscriptions, sporting goods, a computer, candy, oriental rugs, a camera, etc will be considered as luxury items.

These are also called grey charges. Whenever you buy an add-on benefit on a credit card, you're be charged these fees. Luxury fees cost almost $997.9 million each year.