Answer:
B. She has a bad credit history
Step-by-step explanation:
One of the main requirements to get a credit card is to have a good credit score and this is one of the things that banks check. If someone that request a credit card has a bad credit history, the bank will refuse to give it. Because of that, the possible reason behind the bank's refusal to comply with Jessica's request is that she has a bad credit history.
The other options are not right because it is not necessary to have an account with the bank to get a credit card, a good credit history will allow you to get it, the age is not an issue and if someone doesn't have enough resources to get the card, it is possible to have a cosigner for the bank to approve it.