Which of the Following Sentences Presents the Reason for Denying

Multiple Choice

Which of the following sentences presents the reason for denying a customer's request for credit most effectively?

A) Your request for credit has been denied.
B) Because you have not been employed for the past 15 months and have credit debts of over $4,000, we will not be able to grant you credit at this time.
C) Although your credit rating does not meet our minimum standards, we would be happy to reconsider your application if you add a cosigner.
D) Your failure to meet our standards will not allow us to issue you a credit account.