Balance transfer and other charges before filing ch7

I recently did a balance transfer from one credit card to another with a lower rate. I plan on filing ch 7 very soon. Is there a special rule about cash advances or balance transfers? Do I have to wait 90 days to file ch7?

Can the judge exclude any cc charges from your ch7? I plan on using my personal cc to buy some advertising for my business (90 days prior to filing bk). I'm worried that he'll say I knew I was going to file bk and make me repay charges like that.

I'm not trying to be greedy, but I know I'm about to kill my credit for a looooong time. I figure I should charge what I can before I file.