When denying credit, the major portion of the message should be _____.
a. suggestions for improving a credit score
b. an explanation for the denial
c. a referral to a credit agency
d. an attempt to retain the customer on a cash basis
The major portion of the message when denying credit should be b. an explanation for the denial. Providing a clear explanation helps the recipient understand the reasons behind the decision and can also help them address any issues that may improve their creditworthiness in the future.