Answer:
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.
Step-by-step 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.