Dear Ms$.$ Evans:

Since there $($is$,$ are$)$ wide acceptance of the Visa Plus card and because of the low interest rate at your bank, my wife and I $($become$,$ became$)$ cardholders two years ago. Recently, however, we $($has$,$ have, had$)$ extra charges on our account that we $($will$,$ would$)$ like to discuss with you.