Leo Zhu: Managing editor of Credit-Land.com

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Leo Zhu Profile

Leo Zhu

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: 809
Latest Leo Zhu's Answers
My favorite place to buy special gifts for my wife is Ross jewelry, but recently something I bought there didn't meet my expectations. I put the purchase on my credit card. Is there anything I can do?

Posted: October 05, 2016

That depends what credit card you used to make the purchase, but in general, yes. It's always a good idea to put these kinds of purchases on credit cards, because in case something goes wrong, you have some recourse. Most major credit cards offer purchase protection that gives you some coverage in ... Continue reading

I have my eye on some Overstock furniture for my new apartment. Should I apply for their credit card to get special financing and 10% off my purchase?

Posted: October 01, 2016

It's tempting to go ahead and apply for a store credit card when you're about to drop a bundle of cash on their products. However, before you do so, take a close look at the terms and conditions of the card. In this case, the ongoing APR they charge is high, and there are limits on what purchases ... Continue reading

My credit score isn't the greatest, after a divorce and a few late payments. I'd still really like a rewards card though, and a Harley one if I can get it. Is there any hope for me?

Posted: September 28, 2016

You're in luck. While the Harley card with Visa Signature is offered to people with excellent credit, there are other options for folks whose credit isn't quite spotless. Harley offers a "high performance" card that offers one point for every dollar spent, and is less stringent about credit ... Continue reading

I can't figure out whether I should get a store credit card, a cash back card, a prepaid card, or a secured credit card. It all seems so complicated. Can you help me understand the differences?

Posted: September 27, 2016

Many people are confused by the many different credit offerings you are describing. The first thing to know is that one of those cards you mention - a prepaid card - is not actually a credit card at all. This type of card is closer to a debit card, because you load money onto it and then spend ... Continue reading

I love shopping, but I think I could be getting more out of it if I had a credit card that gave me rewards for all my retail therapy sessions. I just don't know which one to get. Can you help me figure out what card is right for me?

Posted: September 26, 2016

If you're a shopper, there's nothing better than having a credit card that gives you cash back or points for every purchase you make. Next time you're at the Overstock store, or Bed Bath and Beyond, or Macy's - wherever you like to shop - you could be getting cash back for every dollar you spend, ... Continue reading

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