If Tammy has 5 credit cards that are all maxed out, a bank could deny her a loan to buy a house based on her __________.

Responses
A access to creditaccess to credit
B education historyeducation history
C employment historyemployment history
D delinquent paymentsdelinquent payments

D delinquent payments

I think it is:

A access to credit
maxed out does not mean she is delinquent although it is likely