My question involves bankruptcy in the state of: CA

From my understanding, I can still use my credit cards for ANY luxury item within 90 of filing the petition, as long I do not exceed $650 of luxury items per creditor during the 90 period before filing.
Is this true?
Or, is it $650 total for all the credit cards combined? (BTW, all my debt is from unsecured credit cards)

What happens if I exceed those amounts?
Is the amount I go over (in each case) exempt from discharge?
Or, does it make the WHOLE debt from that creditor exempt from discharge? (ie - $10,000 of current balance incurred from purchases made 2 years ago)

But, as long as I agree to pay back the amounts of the overage of each instance, it won't affect the rest of my discharge for my total debt owed to ALL creditors.
Is this right?

Also, what if I have 2 Citi cards, and 2 Chase cards? (separate accounts, but both under my name and SSN)
Are they both considered the same creditor, or is each card a different creditor?


If someone could clarify this, it would be great. Thanks.