In another thread, I learned that there is an app to import Vcards called VCardin. So here's the workaround.
1. make sure that USB Mass storage is enabled. (Settings/Media storage)
2. export your contacts as Vcards. I did this on my Mac. It may not work on your phone and you'll need to use your computer.
3. send the file to the ZTE phone via bluetooth
4. run the VCardIn app.
5. your contacts are now in your phone