I'm a fourth year medical student and I tried to obtain a travel card to stack up points for interview travelling however, I have been denied by both chase and BoA. Both said my credit score is fine (it's 729, I have 3 total credit cards that I always pay in full and on time) but that my debt to income ratio is too high. I will have a total of $360K in student loans upon graduating in a few months. Has anyone else had a similar problem? Even with a resident's salary my debt load will be too high. Appreciate any recommendations!