Unless they specified a date, then putting your previous years full income seems a reasonable answer to the question. In this case, I would do nothing and just

Unless they specified a date, then putting your previous years full income seems a reasonable answer to the question. In this case, I would do nothing and just see if they issue the card or not. It's not like they have any means of knowing your income other than your reporting it... so they can't check it. If would only seem to be fraud if you're doing this deliberately to mislead them and have no intention of repaying the loan.