[/LIST]
Well hold on there,
Joe...
Just kidding - this is actually a limitation, the best sign up bonuses do generally have a high income requirement, which has held back some people I know (though I do know of fresh grads on low 50s managing to convince the big 4 to give them black CCs). Lower income = lower ability to game WWR and Flybuys, less flexible income to bring forward spend on cards, etc. Of course though there are ways (for example, ANZ's staggered bonuses at the moment with their QF CCs) to get into the game at a smaller scale, and everyone needs to start somewhere.