<prompt> Human: so I applied to cibcs dividend card about two weeks ago. the requirements include having reached the age of majority, not having declared bankruptcy in the last 7 years and a minimum household income of 15,000. theres also no yearly fee and I can get about a 1 cash back on my purchases. I havent heard back from CIBC who in the past has been hounding me to sign up for their aeroplan points card. anyways the thing is that Im a 20 year old college student living with my parents who together make about 90k yearly so I figured I would add that to my application. me on the other hand, iveonly had summer jobs since I go to school full time but this year Ive gotten a 3 mo. internship and going to be making about 10k so I figured it was time to get a credit card. the application asked for my income so I put 0. is that why they arent getting back to me? should I reapply? what do I put as my income the next time I do? will they even consider me?thanks for anyone taking the time to answer.  <response>: Youd probably be better off applying for a student card. If the minimum income is 15k then you dont qualify as youre only making 10k this year and you told them youre making nothing. Your parents income shouldnt matter unless theyre going to be on the card too. When you apply online they send you a letter in the mail. 