It has changed somewhat...there's a shred of hope now, IMO. 

Their biggest problem is not letting their lower-tier customers graduate into "prime" customers. Now it's at least been proven that it CAN happen, but it's really a shame that you must go through the executive office in order to do it. 

If they fix that bridge, and let those of us who start out with little/bad credit graduate into prime customers with better cards, CLI's, etc. then they can be a very good company.