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Consumers using credit every day.
While this answer choice corrects the original mistake and is grammatically correct, it is stylistically flawed. Adding the word single creates redundancy.
While this answer choice is grammatically correct, it is illogical, because it makes Credit the subject, instead of consumers.
This sentence matches a plural subject consumers with a plural verb use.
This answer choice is grammatically incorrect. The plural subject consumers does not agree with the singular verb is.
This answer choice is grammatically incorrect. The subject and the verb should agree in number. Consumers is a plural subject, so the verb must be plural too. The verb using is neither singular nor plural.