<prompt> Human: Long story short, I got declined for a Discover credit card. They said my debt to income ratio or something was too high. My parents currently pay for my school, gas, food, car, everything so I have zero debt. However when we bought my car, it was under my name my parents pay for the monthly payments. They also give me money every month for rent.So for income, I used the amount of money I get every month and multiplied it by 12. However I was told I was declined because I didnt demonstrate that I was able to pay for everything myself. But I figured yeah, im still a student who has access to my parents bank, how else do I demonstrate that I can pay?So, is there any way I can proceed to get a student credit card? Im about to apply for residencies and it requires a solid 2-3 months of traveling and hotel costs, which I hear credit cards are great for.  <response>: You can get a secured credit card through your bank. After showing them that you can make the payments for 6-12 months they will turn it into an unsecured credit card. With no real income, you probably should not get too much credit. But thats up to you. 