There is no real crime committed in this story - just criminal incompetence, really.

Thirty-five year old salesman, David Mackie, was so excited by Capital One's offer to personalize your plastic with a favorite photo, that he swiftly went online and submitted a card design featuring the iconic shot of actor Nick Nolte looking disheveled.

The bank's email response was just as swift, announcing, "Congratulations! Your image has been approved."

Capital One did eventually realize their error, but not before the card had been mailed to Mackie. On Monday, a bank representative contacted Mackie, requesting the return of his Nolte credit card, because use of a celebrity's image violated the bank's "image upload guidelines."

Given Capital One's obviously lax internal controls, is it any wonder that the world's economy is in the doo-doo's?

The Smoking Gun