To carry it even further, Charlotte may become Bowl Eligible by a schedule of unequivocal ineptitude:
Here are how those 12 wins came to be:
Gardner-Webb is 3-8 with victories over Western Carolina, Hampton and NC Central (all FCS, no winning records)
UMASS is 1-10 with a victory over Akron, the only WINLESS team in FBS 0-10
North Texas is 4-6 with victories over FCS Abilene Christian 5-6, UTSA 4-6, MTSU 3-7 and UTEP 1-9
MTSU is 3-7 with victories over FCS last in the OVC Tennessee State 2-9 and who gave 7-3 Marshall and 7-3 FIU their only Conference USA losses. Hence, MTSU is THEIR SIGNATURE WIN
UTEP is 1-9 with it's lone victory against Houston Baptist (which is 9th is the FCS Southland Conference)
assuming they lose to Marshall, they will have a chance to become bowl eligible by defeating Old Dominion 1-9 who's only win in over FCS Norfolk State (5-6) by 3 points.
ODU will convert the combined record to 13 and 49 (.265) with 7 of those wins being FCS.
They will possibly gain Bowl Eligibility by beating 6 teams with a combined SIX FBS VICTORIES . Louisiana has 7 FBS victories on their own.