How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Articles by Charlotte Zhang

Do Credit Card Rewards, Points and Miles Expire?

October 2, 2023

Credit card points and miles won’t expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs... read more

How to Read Your Credit Card Statement

October 2, 2023

Key takeaways: Your credit card statement gives a summary of your purchases, your payment date, the amount due and any applicable fees and interest charges.... read more

Capital One Transfer Partners: What You Need to Know

September 22, 2023

read more

Best Delta Credit Cards in 2025

September 1, 2023

read more

What Is a Black Card?

May 31, 2023

You’re at a swanky restaurant when a dining companion produces a shiny black card and gives it to the server. Fellow diners “ooh” and “ahh”... read more

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