How much heat is required to convert 0.3 kilogram of ice at 0 degrees celsius to water at the same temperature?

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