Что не так с моим ответом?

var creditCheck = function (income) {
    var val = income;
    return val;
};
if (creditCheck > 100) {
    return "You earn a lot of money! You qualify for a credit card.";
} else {
    return "Alas, you do not qualify for a credit card. Capitalism is cruel like that.";
}
console.log(creditCheck(75));