Which of the following explanations is most effective when denying a customer's request for credit?

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.