How can you use the properties of operations to evaluate this expression? 18 4(28)

Jessica wants to get a credit card, but the bank is refusing to give her one. what could be the possible reason behind the bank's refusal to comply with jessica's request? a. she does not have an account with the bank b. she has a bad credit history c. she has a good credit history d. she is 18 years old e. she doesn't have a job