Misstating income has only been prosecuted when a person defaulted on a loan. If you include falsehoods in your letter, it will not be taken seriously.
The crime jailed for is misstating income. sometimes civil, sometimes criminal. Who's to say these guys will pay the bill? where's the falsehood?
Also your first statement about it being possibly a federal crime to apply with someones permission, desperately needs a source - if one exists.
I'm quite certain this was addressed upthread. definitely covered by state penal codes (e.g section 532 of the CA penal code). But I'm quite certain it's covered by the Federal code, especially once it becomes interstate as credit cards do.
I'm not a lawyer, and I may be wrong on one or more points, but my main point, which comes through regardless, is that it's irresponsible. And I think the more of us (people who agree with me) that say so, the better chance of it being effective.
If you disagree, I'm not here to argue with you. I can see the arguments being made.