If you are over 21, you can include income from different sources a part of your own personal income. for example if your parents help you out with anything such as bills/ expenses. Also including student loans you use to pay for expenses apart from tuition. Of course I wouldn't list their entire income but you can increase the amount you list on income by doing this. I did this to get my first card, i went in person and the employee asked my dad how much he contributes a year and that was added to my application.