Leo Zhu: Managing editor of Credit-Land.com

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Leo Zhu Profile

Leo Zhu
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Leo Zhu is the managing editor of Credit-Land.com and has been researching credit cards for the site for more than five years.

Passionate about savings, Leo inspires his family and friends to save money on things they already buy every day simply by using credit cards. He loves to share his expertise about credit cards and knows all the tips and tricks of using cash back rewards, discount codes, coupons, and online credit card reward malls to get the most value from a dollar. He knows how credit card fees and rewards work and is eager to share the knowledge he's gained studying credit cards for Credit-Land.com.

Leo Zhu has been writing for Credit-Land.com since June 2012
Total Number of Posts: 1022
Latest Leo Zhu's Answers
How do you decide how high is too high when it comes to APR?

Posted: May 22, 2017

Well, you will definitely not want to have a credit card with the 30% APR, and such cards do exist. The APR of 24% is also quite high, but it is common for credit cards that are offered to people with bad credit. However, it is possible to avoid interest payments on purchases by paying of the... Continue reading

I have acquired a lot of credit cards over the years and most of them I do not use anymore. Right now i use only my Arvest card. Should I close some of the accounts I know I will never use again?

Posted: April 01, 2017

No, you should not close old accounts. Old accounts bode well for the length of your credit history which can be a significant portion of your credit score. Also it will decrease your overall credit limit which could cause a shift in your credit utilization. This is basically your debt to credit... Continue reading

A lot of my friends use their credit cards for everything even when buying clothes at KingSize and when they have the money, isn't this a bad habit and aren't you better using cash when possible?

Posted: March 20, 2017

Credit cards are great for many thing other than just financing. Cards can help you balance your budget if you have flexible income or your two largest monthly bills happen to come at the same time of the month. You can also keep track of spending by seeing exactly what you spend your money on.... Continue reading

I am currently interested in applying for the Bergner's credit card, but my credit score is not very good. It used to be a lot worse, but I've slowly rebuilt it to a point where I think I might be ready to apply for a card like this one. Do you know what credit score I would be required to have if I want to be eligible for the Bergner's card?

Posted: March 20, 2017

Every credit issuer is different when it comes to determining what makes someone worthy of their card, so unfortunately, we have no way of determining what credit score you would be required to be eligible for the Bergner's card. We can say that you will most likely not be required to have a... Continue reading

I have bad credit and someone told me that it would be easier to get a lenscrafters credit card than a traditional credit card, is that true, will that help me improve my credit?

Posted: March 19, 2017

Generally, if you have bad credit you will not likely be approved for a store card. If you are looking to improve your credit be sure whichever card you apply reports to the credit bureaus. Be sure to apply for a card that accepts those with bad credit because a rejection and a couple of hard... Continue reading

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Elizabeth Nelson
Elizabeth Nelson is the news editor for Credit-Land.com. She has worked for the company since 2012.
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