Identify the sentence that has a problem in subject-verb agreement. a. the use of credit cards have been cited as a major contributor to personal bankruptcy. b. cardholders, especially those on a limited income, often fall into a pattern of making only the minimum payment. c. a credit card that offers cash-back rewards for purchases like airline tickets is tempting. d. the interest rates on credit cards add up quickly.

The sentence that has a problem in​ the subject-verb agreement is:

A. The use of credit cards have been cited as a major contributor to personal bankruptcy.

Explanation:

The correct sentence will be:

The use of credit cards has been cited as a major contributor to personal bankruptcy.

Subject-verb agreement means that the subject and the verb in any sentence must agree in their number. It means that when the subject is singular, the verb too should be in the singular. Also, when the subject is in plural form,  the verb should be in the singular.

i think the answer is c