How to Fill Out a Business Credit Card Application for American Express

[@richsmithedu]

American Express recommends a personal credit score between 670-850 for this card. They check personal credit with a hard pull during the application process. So long as your account stays in good standing, they do not report business credit to personal credit bureaus. Good luck!

[@larrypage155]

Rich Smith - Teacher Entrepreneurs Thank you for responding... I have 700 not sure why I got denied but all good...

[@Xtremeproducts]

I had a 715 credit score for my new business and they denied me a couple months ago.

[@youngkrich]

So if you have bad personal credit you shouldn’t apply?

[@richsmithedu]

@@youngkrich I'd suggest spending a few months improving it to at least 670. Here's my tips for boosting personal credit: richsmithedu.com/how-you-can-improve-your-credit-score

[@youngkrich]

@@richsmithedu perfect I’ll look into it..

[@kermitshamburger774]

Thank you for the information. I applied for the card and was approved . . Just FYI to everyone, the will ask you to use a third party to connect to you bank account before you finish the app. Thank you again.

[@77Joseph777]

Yup they asked the same of me for the BBP and after connecting they did approve with a 10k limit.

[@michealsmith9150]

This was a GOLD MINE! Finally, someone with REAL credit information that empowers you!

[@richsmithedu]

Thanks, Donna. Let me know what else you think might be helpful, so I can make more videos to help!

[@tiffanidenham3228]

Thanks so much for the information. I walked through this application process with you while applying and got approved immediately. I was anticipating having to call the recon line, but that wasn't necessary. Thanks again!

[@MalcombMedia1]

Did you have any previous cards with Amex before applying? What was your score? Did they give you a big limit?

[@enyeligalvez4653]

Thank you so much for this video. Just applied for my credit card and got approved. I'm a first-time business owner, a college student and with little personal income but my credit score is really good, so that's why I think I got approved. Again thank you !!!!

[@raynier_g5221]

Congratulations👏🏽👏🏽👏🏽

[@richsmithedu]

Fantastic!

[@thomasroberts3236]

What’s your credit score

[@enyeligalvez4653]

@@thomasroberts3236 I didn’t have a business credit score, but for my personal credit score I believe it was in the 700-730 range

[@thomasroberts3236]

@@enyeligalvez4653 ok congrats yes I am learning personal credit those matter on the business side !

[@vjackson3451]

Thanks for your video, very professional and helpful.

[@tatotelleria9475]

Thank you so much! I had been denied for one before and just got approved right now following your guide!

[@richsmithedu]

Glad I could help!

[@AssortedVideosforALL]

IM HONEST ON THE APPLICATION & SEE IT WITHIN 14 DAYS 🙏🙏🙏🙏🙏

[@traderjnews1494]

Thanks I got approved before the video even ended !

[@michelledineen5110]

Thank you for the info I was just approved for my first Amex business card

[@richsmithedu]

Love hearing this!!

[@ninewest4284]

One very important information that needs to be added is that towards the end of the application they want to connect/logging into your business online bank, they want to see your money activity before approving you.

[@alexisl.western]

Incorrect I have two business cards with Amex didn’t have to login business checking I didn’t have a business checking at the time

[@luangnguyen1755]

Can this be applied to the newer chase ink card? Could you do a similar video for that card?

[@coachdonnaj]

TY! This was so helpful. My first Amex business Business Card is the Gold. Great teaching delivery style.

[@richsmithedu]

Love the Gold for all those business meals 🙌

[@brittanybrown7822]

Great video. looking to getting me a card myself for travel.

[@TDCOOK]

Great Video. I really like that you take the time to walk us through the application. Thank you

[@dmitry1493]

U r awesome! Ty!!!

[@mausha77]

Nice video I'm self employed. Thanks

[@hulkjohn1971]

I walked through your video and fill up my application thank you for this video I subscribed to your channel let's see if I get approved thank you so much

[@HunaMawarika]

Hard pull on experian. I assumed it was for identification purposes as you mentioned.

[@AssortedVideosforALL]

please yes clarify== do we have to have a LLC or SP or Credit Pull nor Any Other Documents = i do not have any of the LLC/SP or A Credit Score is 500+ 😥😞

[@trentonspeakstv]

One of the Best Videos I have watched on credit cards, very informative.

[@richsmithedu]

Wow, thanks!

[@gtc1979]

Great job What about this platinum vs blue

[@richsmithedu]

I'd go Blue first then Platinum once the business spend starts getting higher

[@Kandybarbrown]

Thanks, this was exactly what I needed.

[@Kdjnzbibleversedaily]

Excellent Video

[@richsmithedu]

Glad you enjoyed it

[@orlandogarza2965]

Thanks for sharing, very good info for when my small business gets up and running.

[@harleminthebuildn9234]

GREAT TUTORIAL RICH. THANX 4 THE HELPFUL INFORMATION. TOP MARKS MATE 👍🏽👍🏽👍🏽👍🏽👍🏽

[@americanmuscle2993]

Excellent presentation, very detailed and comprehensive, appreciate the video, thanks bro!!!!!

[@richsmithedu]

Appreciate that

[@forwardapproach2420]

👍🏾great video

[@yvetteher94]

I am just starting a business. I already have an EIN and LLC. Do I use any of that info in the application?

[@richsmithedu]

If you're a sole proprietor, then use your SSN. They will ask for it anyway, even if you use your EIN.

[@PrettyRedSunshine]

@@richsmithedu I think the question is what option do we check if we have an llc?

[@richsmithedu]

@@PrettyRedSunshine these cards require a personal guarantee, so you can use your LLC and EIN - then they still ask for your SSN so the LLC doesn't limit debts for these cards. It's interesting too because many LLCs still file as "sole proprietorships" using Schedule C for taxes.

[@joselebron7522]

Awesome!! Thanks you so much!! Help me a lot!

[@lincolnjackson4303]

They do a hard pull on personal account. Wished I didn’t applied. I’ve should have read the comments 1st.

[@elpaisanewsusa5971]

I did that 1st. Wish they start video by saying your personal credit needs to be a least 670 and I know most companies leave a hard inquiry in your credit report!!!.. glad didn’t do it

[@Floof_Factory]

I applied and got it using the steps you provided. Does it report to my personal credit? And if not where does it report?

[@richsmithedu]

The personal hard credit pull when you applied gets reported to personal credit, but so long as you stay in good standing then this business line of credit, amounts owed, transactions etc do NOT report to personal credit. Rather, they report to the business credit bureaus.

[@Johnsmith-mj3my]

I started a trust in 2015, to help people with their credit, I need to get a business credit card, I have an EIN and I file 1041. Can I get a card from American Express?

[@jvic2130]

If I have an EIN number. Which corporate structure do I choose, corporate, partnership or sole proprietor

[@wandarichardson5222]

I like this video.. thank you

[@argenispaul5620]

Very Helpful video. Thanks!

[@angelicarivera8385]

What if you recently registered your business with the state as an LLC? I tried applying for this card but seeing as how the only options are corp, partnership or sole proprietor I didn’t continue because I don’t want to fill out incorrect information.

[@richsmithedu]

You're still considered a sole proprietor. If you have an EIN then you can use that.

[@socialdropout]

The reply from Rich is incorrect. You would be selecting a corporation. It’s right in the name. An LLC is a limited liability corporation.

[@supersupersomething]

Have the same question since I have an LLC, looked it up and found this on wikipedia: "An LLC is not a corporation under state law; it is a legal form of a company that provides limited liability to its owners in many jurisdictions. An LLC is a hybrid legal entity having certain characteristics of both a corporation and a partnership or sole proprietorship (depending on how many owners there are)." So the answer I think: For an LLC, if there's only one owner put down sole proprietor, if there's more than one owner put down partnership. (And don't put down corporation.) Source: en.wikipedia.org/wiki/Limited_liability_company

[@YoYo-jm1lt]

Incorrect…LLC is not a sole proprietor…for LLC, mark corporation

[@pammypoo3003]

FYI...you are allowed to project how much you plan to make (don't get crazy with it though). That will possibly red flag your application. Did this on multiple applications and was approved for 'all' of them.

[@MalcombMedia1]

What amount did you put?

[@pammypoo3003]

I don't feel comfortable sharing such personal information but I will say it depends on what your particular business is and what your business financial goals are. Only you will be able to determine that.

[@pr.alexbastos8749]

Love this video

[@MannequinNation]

How long does it typically take to get approved? Also thanks for the info

[@richsmithedu]

Usually they tell you right away or mail it to you after a week.

[@TFAalex03]

Do I need a registered business to apply for one ? I have my own side hustle that makes good money and I’m curious if I apply for an Amex business card if I will get approved, I’m a Amex member with a Amex gold card and a Amex everyday card just that I recently opened my gold a month ago, will that interfere?

[@richsmithedu]

No need ... just follow the steps and use your SSN

[@TFAalex03]

@@richsmithedu I literally applied for the Amex plum card after I commented this and I got approved! thank you

[@TFAalex03]

@@richsmithedu and btw you’re video was very helpful I appreciate the content

[@deonbolden2672]

My first time listening to you but very interesting! Keep teaching

[@genrethemusicgeek665]

How will I be building business credit if they are reporting to my personal credit?

[@ceejay5730]

Should I take the freeze off my credit report before doing this?

[@richsmithedu]

Yes, you won’t be able to open any new accounts while it’s frozen.

[@patriciahuff6313]

I always learn a lot and appreciate your videos. Thanks!

[@richsmithedu]

Thanks, Patricia! This type of video is different for me to make, so I’m glad you appreciate it.

[@marianneo2667]

Amex will not do a hard pull for existing personal credit amex holder? Is this 100% I have amex green and amex blue currently with 761 fico, would like to get a business credit card, just opened and registered LLC.

[@richsmithedu]

They have a preapproval landing page worth checking out. Data points say hard pull is likely unless you're NOT getting approved.

[@deveng7766]

I didn’t get a hard pull with Amex at all maybe cause I’m like you I already have existing cards open with them for years

[@jazzmaster9426]

Great video

[@richsmithedu]

Glad you enjoyed it

[@fjohnjustsaying9569]

F.Y.I. American Express does a hard pull on Experian... Can someone freeze their Experian before applying for credit card?

[@richsmithedu]

Yes, all the banks check with personal credit when applying for business credit. AMEX won’t do a hard pull if you’re an existing customer and will be denied the new card, so that’s helpful to keep in mind. Experian says, “it is impossible for you to get approved for credit unless you lift” the freeze.

[@fjohnjustsaying9569]

@@richsmithedu Thanks 👍🏼

[@jlmadd]

If you are already a customer they do soft pulls

[@mariogh1541]

Thanks! Rich, great walk-thru!

[@leftovers2go198]

This is helpful - Thank you

[@mb-gz9fu]

Rich, Why do I have to put down my name instead of my business name under "legal business name" slot if Im self employed? Is there a difference?

[@richsmithedu]

Your business name and business address all have to match what’s true. Unless you have a DBA filed with supporting documentation then just put your name and home address as a self employed sole proprietor business.

[@mb-gz9fu]

Thank you.

[@mlo3423]

Thank you!

[@spendollar20]

Great video Rich! Is there a suggested minimum FICO score one should have when applying for this card? Also, why wouldn't we use our company LLC name as the business name and the name on the card would be the personal name as the user of the card for the business? (This is when the business address is the same as the home address).

[@richsmithedu]

They say good to excellent so at least 690. You put your name as the business if you use your social security number and are a sole proprietorship.

[@gatsbylight4766]

{For anyone who might be reading this in the year 2037} The reason the business (LLC) name goes on the card and not the name of the person _from that business,_ is because the charges being made are being made by the business itself; the business account for that card is the one responsible for the charges made on the card, not the individual named on the card. *EDIT:* And FYI, many card issuers do put BOTH: The business name _and_ the individual's name on the card.

[@cambriasreviews]

@@gatsbylight4766 I was curious about this for those with an LLC and not a sole proprietorship.

[@tuongvantran9004]

Thanks so much

[@NAURIEMICHO]

Your awesome I got it

[@reginaldcole5596]

I’m in the process of lifting a freeze due fraudulent charges.What should I do concerning AMEX business card?

[@richsmithedu]

I’d lift the freeze before applying because they do a hard personal pull. Let me know how it goes.

[@kunjomani]

What if i have an LLC but i am the only member, should i type my name in the business info or the company's name?

[@richsmithedu]

If you have LLC & EIN then you can get one with the business name. Then it’s also possible to get another using your own name and SSN … probably wouldn’t do that though unless I was trying to rack up sign up bonuses.

[@vladimirfitness898]

What about if you have a LLC . Can you just put the name of the LLC and should it still need to be sole proprietor?

[@richsmithedu]

If you have a DBA and a business address, then you can use that. If not, use your name and home address as the business name and address. You want everything to match.

[@lewishall6501]

Hi Rich that was absolutely fantastic thank you I need a lot more of that stuff my biggest issue is learning how to operate my phone I'm a little behind on that stuff I do have a question for you next tech

[@wezzkeion7593]

I have a 630 credit score and just got my LLC but dont have any sells should i wait?

[@richsmithedu]

I'd wait until you have 670-690 - I go into more detail here: richsmithedu.com/how-to-fill-out-a-business-credit-card-application-for-american-express/

[@BEERLIGHTBROKER]

I'd learn how to spell first.

[@stokesrealestatellc]

thanks man i needed that info!

[@writtenbykenya2584]

Do you recommend freezing my credit accounts before applying?

[@richsmithedu]

No, because they require your credit "thawed" when applying.

[@shontelsimmons7240]

Very Helpful Thank You

[@richsmithedu]

You're welcome!

[@wainekurame4609]

Please can you assist me the application process am in Papua New Guinea how can I apply

[@brucebruce8333]

If I have a llc but being taxed ass a s corp, should I select corporation? My lowest credit score is a 730 so I do have good credit. Should I apply as a individual using my name instead of my business name? I haven't made a coin yet in my business.

[@richsmithedu]

Yeah, if you have LLC then be a “member” of the corporation when filing. But I’d start by filing as individual using SSN first then get other cards using EIN once your business has income.

[@brucebruce8333]

@@richsmithedu Thank you

[@ericjackson3277]

Just applied they do not use your ssn for verification I just got a hard inquiry on my personal credit and was denied. Thanks

[@richsmithedu]

Agreed. It's crystal clear now: richsmithedu.com/how-to-fill-out-a-business-credit-card-application-for-american-express/

[@Yorkilove]

I’m a n Uber driver and I worked for a year until pandemic happened therefore I haven’t been working since March, so no income. Can I still apply? What about different transactions?! Can I use it for household transportations?

[@richsmithedu]

You can still apply and use the figures you have from the past year or so. AMEX is very open to new business customers. They really don't check/care if you use it for household purchases - it's very unlikely doing so would put up any red flags for you.

[@Yorkilove]

Rich Smith - Teacher Entrepreneurs thank you so much for your immediate response 🙏 what about if I put more than $10,000 to start maybe a new business, let’s say if I want to start flipping houses and I need to put some assets to start?

[@richsmithedu]

It’s all projections on your end so put what you expect to spend. I like the way you’re thinking too 🙌

[@WAFFLE25625]

I have a new ecommerce business and just starting. Can I put a projected Anual Business Revenue or do I put 0?

[@ericjackson3277]

Maybe mention that in the video

[@betino705]

great video , if you apply as sole propietor (ssn) the months later become LLC with Ein , do you have to start all over again? or business credit history will roll over to EIN?

[@richsmithedu]

The new EIN allows you to apply again and get the same cards. It's new business credit history, but the personal guarantee is still attached to your SSN, meaning they'll look at both the new business credit and your personal.

[@betino705]

@@richsmithedu thanks for the response ✅

[@LeDudeQXL]

As a sole proprietor, can we also include our middle name for the business legal name field...instead of just the first name and last name? AMEX has my middle initial on the first line on the card as the primary owner of the account and would their be an issue to include the full name as the second line on the card, including middle initial as our legal business name. Thank you!

[@richsmithedu]

Yes, I always say whatever is on your tax form and/or your legal business name.

[@arifsyaifullah2700]

Great video, hiope more videos like this on bussiness related topic

[@richsmithedu]

More to come! Tell me what topics you want, and I'll give you a shoutout in the video.

[@repetitional2926]

Do I have the same chances of getting accepted for the Gold business card then the Blue one? I have a 724 credit score and 1% utilization

[@richsmithedu]

Yes, main difference is that annual fee. Same requirements in terms of credit score.

[@youngking1435]

Do they pull your business credit reports at all or just personal.

[@richsmithedu]

AMEX reports to personal, so stay in good standing for your business cards. Then the business isn't reported.

[@beast9021]

If I already have a personal credit card with AMEX will it still be a hard pull?

[@richsmithedu]

Yes, still a hard pull. But they have some pre-approved offers so you can get an idea if you’re likely to be approved.

[@jlmadd]

No it isn’t. Soft pull after you have one card

[@ericfitzpatrick5319]

So did you actually get approved?

[@richsmithedu]

YES! This has been my favorite card since summer. Here's some more options too: richsmithedu.com/category/credit-cards/

[@monngonvasuckhoe5796]

Thank you for the helpful information, Rich! Don’t they ask EIN of the business?

[@richsmithedu]

You can use EIN if you apply for one. SSN works too for people with small businesses no employees.

[@monngonvasuckhoe5796]

@@richsmithedu Thank you!

[@2SernaWithLove]

Do they run your credit if I put my ssi or can I just use EIN which would be better

[@400k.g5]

How do I tied my EIN to this card I got today I called American express & they couldn't help me today

[@richsmithedu]

You can apply using EIN, but they still ask for SSN.

[@rhulanipearl7140]

Is it only for American?

[@richsmithedu]

You don't have to be a US citizen, but they will want to verify your identity ... sometimes a SSN is required.

[@jordanmartin3805]

If I have a LLC do I classify as Corp or sole proprietorship

[@richsmithedu]

Just depends how you file your taxes. You must elect (ask) IRS to tax you as S-Corp ... if you didn't do that then you're mostly likely a sole prop by default.

[@sanetrafelix6597]

Mines shows pending review. Does that mean I don’t qualify?

[@richsmithedu]

Usually means manual review of your information. I like to wait a few days to see what they say.

[@skorpio88]

Did you get approved?

[@Sindysgram]

But how will this help with building my business line of credit, if I have to use my SS # and not my EIN?

[@richsmithedu]

You have a personal guarantee to pay on these cards, but it builds your business credit because they don't report to the personal credit bureaus so long as you stay in good standing.

[@Sindysgram]

@@richsmithedu I'm still a bit confused. Sorry blonde moment. So, as long as I remain in good standings with this card, it won't be reported? But I thought the purpose of obtaining a EIN # and using that was to help with building business credit? The application doesn't ask for a EIN# or business name so besides this being a business credit card...how does it help with building credit in the business name? I hope that makes sense enough for a reply! Lol I apologize again...blonde moment!

[@Sindysgram]

@@richsmithedu I followed your steps and was approved FYI. 😊 but still confused 🤦🏿‍♀️

[@richsmithedu]

@@Sindysgram American Express reports positive accounts to the Small Business Financial Exchange which builds business credit. They report negative accounts to Dun & Bradstreet and the personal credit bureaus. You’re personally connected to your business credit unless you’re a business who’s been around for several years and brings in hundreds of thousands a month or more - goals, right?! 🤑

[@reneebarnes7225]

Would this working if you have fair pc?

[@richsmithedu]

They want 670 at least with no bad remarks ... what's your range right now?

[@reneebarnes7225]

@@richsmithedu between 590 and 610

[@richsmithedu]

@@reneebarnes7225 I'd wait for it to go up a few points. Here's my blog on how to bring the score up: richsmithedu.com/recommends/ppp-2/

[@exeqtive5125]

Why can’t we use our EIN number as a social?

[@richsmithedu]

You can but they ask for your SSN for identity and credit check anyway.

[@richsmithedu]

I wrote about it more here: richsmithedu.com/category/credit-cards/

[@WallStreetIceCream]

I want to apply for one Amex and one chase business credit card how long should I wait between applications to play it safe ? Does it matter which one I apply for first ?

[@richsmithedu]

AMEX is more likely to approve you. Normally, I recommend AMEX first then waiting a few months.

[@maseytwyman8464]

I have a 700 CD and they told me they will get back to me in 10 days.

[@richsmithedu]

Call this number to make your case. They ask basics but have your info on the ready: 1-800-492-3344

[@tombryan1]

I have a notion that many people applying for a business card are not really legally in business, no license, insurance, FEIN, quarterly tax reports, etc.

[@Davidsbuiltb]

So this does not report to your personal credit . Asking for a friend

[@richsmithedu]

Right! Stay in good standing and AMEX doesn't report to personal credit for business cards. There IS a hard credit pull when you apply though for personal credit.

[@morgjg2004]

Is it worth trying if your personal credit is low?

[@richsmithedu]

AMEX suggests at least 670.

[@truthserum1271]

Do you think it’s ok to apply for business before personal

[@richsmithedu]

Yes, it is okay to apply for business first. I only had business cards with AMEX when I started.

[@life_withkj8353]

What if you have a 763 score but history is below 1 year?

[@richsmithedu]

That’s a great score. Would this be your first AMEX card?

[@life_withkj8353]

@@richsmithedu im not sure..i think i will get denied due to 4 hard inquiries and loan balances..im not sure what business credit cards require to get approved based off my personal credit

[@richsmithedu]

They require 690-850. I like waiting until my hard pull are lower too.

[@life_withkj8353]

@@richsmithedu what about history?

[@richsmithedu]

@@life_withkj8353 bad history will not be approved, but little history is okay with above 700. AMEX is good with denying without a hard pull IF you already have another AMEX card. I'd still wait if you aren't sure right now.

[@harolddelisser]

Would love to have a one on one call with you

[@richsmithedu]

You can book a call through my website: richsmithedu.com/

[@smokeylee707]

🤟

[@jeremyrouse5411]

I shouldn't apply if i have a 590?

[@richsmithedu]

AMEX wants good to exceptional personal credit. If you already have a relationship with AMEX, then you can try and they usually don’t do a hard pull unless you’re getting approved.

[@BillRWare]

Great show!!! I do have one question that begs for your insight: To what extent would I be well served to apply for this card? I have a registered LLC that was filed this year, though I’ve been operating for a few years. However, I am rebuilding personal credit (i.e. thin file, no negatives) and have acquired 7-8 revolving lines that will have all seasoned between 3-6 months. I’m projecting my EX credit score to be around 680-700 (myFICO projects a 715 score), though my TU score is 730 and EQ score is 680. I like my approval chances if the score is predominant, but quite skeptical if recent lines are predominant. Would be very interested in your thinking and insights here.

[@richsmithedu]

Thanks, Bill. There's a great tax savings using these business cards for expenses towards the end of the year. This other video might help boast your credit: kzbin.info/www/bejne/mYalm6xoqtqMmLc

[@Kyxfinesse]

Do you need LLC to get this?

[@richsmithedu]

Nope. Many LLC are sole proprietorships anyway. My blog post goes into more detail: richsmithedu.com/2020/11/21/how-to-fill-out-a-business-credit-card-application-for-american-express

[@Kyxfinesse]

@@richsmithedu Give me a good break down before I apply... i have 670 score with like 60% utilization should i wait to apply?

[@richsmithedu]

I’d recommend waiting until that utilization is lower and your score is closer to 720. It does help though with AMEX if you already have personal cards with them and are in good standing.

[@laylathecat]

@@richsmithedu The above link does not work.

[@richsmithedu]

@@laylathecat THANKS 🙏. here’s the updated link: teachingmillionaires.com/how-to-fill-out-a-business-credit-card-application-for-american-express/

[@richsmithedu]

Do you prefer American Express over other credit card companies? Why or why not?

[@michealsmith9150]

@@robinsutton6960 thats awesome! how did you do it??

[@hilwaamanamankiyar-pp5bf]

GE

[@perezfamily3261]

well he is wrong about Amex checking personal credit, which they do regardless

[@richsmithedu]

Why be wrong when it feels so good to be right? 👇 teachingmillionaires.com/how-to-fill-out-a-business-credit-card-application-for-american-express

[@Skleet]

@@richsmithedu I currently have two Amex personal cards, a credit card & charge card. If I apply for this business card, will it be a hard pull on my credit?

[@richsmithedu]

@@Skleet yes, hard pull on personal credit, but the business line of credit does NOT show up on your personal report so long as you stay in good standing

[@Skleet]

@@richsmithedu Ok. Honestly, at this point, my credit is on the cusp of 800, so this hard pull shouldn’t be a problem. And I’m any rejection in pursuit of applying for this card won’t result in a hard pull?

[@richsmithedu]

@@Skleet yeah, so I just applied for a different card and the hard pull dropped me 5 points ... well worth it. They stay on the personal report for 24 months or so and that's why I always take them seriously.

[@larrypage155]

I would like add that applying for this business account they pulled my personal credit and was denied....

[@rdhawk929]

Sorry to hear that. This is my concern as well.

[@marianneo2667]

No comment from Rich Smith?????

[@richardbailey511]

Please do not waste your time with this unless you have a score exceeding 650...you'll be wasting your time