Charlotte Zhang, staff writer for LendingTree

Charlotte Zhang

Charlotte Zhang is a credit cards writer at LendingTree, where she explains credit cards and other personal finance topics in simple terms to help readers with financial decisions.

Charlotte believes learning about personal finance is a vital skill to prepare people for different financial scenarios in life.

Prior to joining LendingTree in 2023, she spent more than a decade contributing to personal finance and insurance websites, as well as parenting, education and travel websites and magazines. Before writing professionally, she taught English in China for over a decade.

Outside of work, she enjoys knitting, spending time with her husband and two kids and leading 4-H activities for community youth.

Specialties

  • Credit card reviews
  • Credit scores and building credit
  • Budgeting
  • Life insurance

Achievements

  • 14+ years of personal finance writing experience
  • 60+ articles written for LendingTree
  • Writing has also been published in U.S. News & World Report, USA Today, The Penny Hoarder, Money Under 30 and The Simple Dollar

Education

  • Bachelor of Science, Martin Luther College

Charlotte’s favorite credit cards

“I love the simplicity of cash back credit cards. I use the Discover it® Cash Back for its rotating categories and Wells Fargo Active Cash® Card to get 2% back on everything else.”

Articles by Charlotte Zhang

What is a Credit Card CVV?

Citi is an advertising partner. CVV stands for card verification value. It’s a three- or four-digit number that provides an extra layer of security when... read more

How Is Your Credit Card Interest Calculated?

When you don’t pay your credit card statement balance in full each month, you’ll likely see an interest charge on your next statement. The interest... read more

What Is a Charge-Off?

Key takeaways A charge-off is a debt that the lender has written off as being unable to collect Charge-offs have a negative impact on your... read more

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