When discussing credit scores, your friends make the following statements. Which one of them is WRONG?

Group of answer choices

1-Casnell says, "Even if you close a credit card, the record of that card stays on your report for several years."

2-Joel says, "It's best to establish credit early, so you have a long credit history before you apply for a mortgage."

3-Jessie says, "Once you turn 18, it will be really easy to get approved for a credit card."

4-Kwame says, "Using your credit card every month, but paying off the balance each time, is a great way to boost your credit score.