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boisb-
I also had a 'pre approved' Amex application sent through when I was 14. Thought I'd take them up on it and filled it in saying I earned 40k. Not too shabby for a 14yr old.
Got a card through with a 4k credit limit a few weeks later. Shat myself and put it in a drawer. When the renewal form a year later with the annual fee came through I phoned them up and mentioned I was 15. They cancelled it rather quickly without any questions asked./csb
duncs
I did the same for something once I think - had a billing address set to the White House