<prompt> Human: My friend, yes my friend not me has a handful of credit cards. I am deciding to get one to build my credit, I have cash currently to buy a 2,000 computer Im after and was considering buying with a credit card and putting aside my cash Im going to use to buy it anyways and make payments. I asked my friend how can I get a credit card with low credit. He flat out said put a higher income. I told him I didnt want to lie and get in trouble, I make 28k a year, he told me to put 40-45k. He said an extra 20k isnt a big deal as long as I make my payments, just dont put something ridiculous for example 100k since I clearly dont make anywhere near that. Anyways, I know its illegal regardless to lie on a CC application, my question is, if Im a responsible person and will make my payments, is putting an extra 20k on my app that big of deal?  <response>: Dont lie. Put your actual income. I work for a bank and deal a lot with credit cards. Even at your income level, youll likely get approved for something. Itll probably be a small one with a 500 limit or so since its your first card, but please dont get into the habit of fudging your financial info. 