With Chloe you should use low value slut and fire cards to apply burn. Frost cards also help since they will give you extra turns to make use of burn damage.
With Zoe you might use electric cards to avoid giving her regeneration and something like 3 of sluts to deal a lot of damage
i just got quite lucky with her, i unpgraded all cards that possible to upgrade through self-defense classes, then loaded up deck full on electric cards ,sl*t 5 cuz of the damage boost till the end of the fight , s 1 and 6, 1 just to get synergy of electricity when missing one electric card for boost of slots and damage, s 6 cuz of boosting cards which values are over 6,so to boost 7 of electric card