I applied for an American Express Blue card online last year and after I filled everything out, it rejected my application because it said I made less than the minimum income per year. So I pressed the back button, changed my income to what it said was the minimum and Boom, I was approved. 2 weeks later I had a shiny new Blue card in the mail. Now, unlike most people, I am good with my finances and don't have crazy debt, and only needed this card to make a few purchases while I was short on cash. But the ease with which I was able to just change my income, to several thousand more than I actually make, and still receive the card is just irresponsible on the card issuer's behalf.