Hey AllGentix, I would say that you have a good chance of being approved for the Zync card, considering that your stats are very similar to mine (plus you actually have a job! haha). Regarding my answer about annual income, I simply told the truth and selected the option for unemployed (student). Last year I actually made $19,000 working as a private contractor, so maybe they somehow pulled that information from my file and accepted me for that reason. Or maybe there is no minimum income for the card, I'm not quite sure. Good luck on getting approved for the Zync card--keep us updated!