When used to describe a person. Attractive is used more frequently to describe physical appearance. She is attractive. I love her beautiful hair. = appealing to look at, beneficial features or qualities Charming is used more frequently to describe personality. She is charming. She holds my attention and interest regardless of what she is talking about. = polite, friendly, likeable These can change meaning when used to describe objects/events...

Or, "Her personality was ravishingly attractive, and she had her hair in charming ringlets at the temples setting off a French braid that night. " I don't know that we'd want to draw this distinction as hard and fast. Have a look at ngram viewer on this ... https://books.google.com/ngrams/graph?corpus=26&smoothing=3&content=charming+personality%2Cattractive+personality%2Ccharming+appearance%2Cattractive+appearance%2C+charming+looks%2C+attractive+looks+&year_end=2019&year_start=1800&direct_url=t1%3B%2Ccharming%20personality%3B%2Cc0%3B.t1%3B%2Cattractive%20personality%3B%2Cc0%3B.t1%3B%2Ccharming%20appearance%3B%2Cc0%3B.t1%3B%2Cattractive%20appearance%3B%2Cc0%3B.t1%3B%2Ccharming%20looks%3B%2Cc0%3B.t1%3B%2Cattractive%20looks%3B%2Cc0

Used in a sentence: She wasn't that physically attractive, but she had a charming personality.