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: 1015
Latest Leo Zhu's Answers
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

I have a credit score of 798. I'm looking to get a Visa card. I hear Chase Freedom is a good card. I had a Chase card back in 1989 that I had problems with. I have my checking and investments at Chase. Do u think I can get the card?

Posted: March 17, 2017

Since you have accounts at Chase it may be easier for you to qualify for the Chase Freedom card. Note that there is a card that is similar to the Chase Freedom credit card – the Discover it Cashback Match credit card. Like the Chase’s card, this card will allow you to earn 5% cash back ... Continue reading

What is the deal with the variable APR? My credit score is 820 so do I get the lowest interest rate?

Posted: March 17, 2017

The variable APR is the interest rate that will vary with the market based on the Prime Rate. The issuers usually add 10% to 20% to the Prime Rate to determine the purchase and balance transfer APR. However, as a rule variable APRs do not exceed 30%. With this high credit score you may qualify for ... 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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