Target Card - What gives?

Hi all,

For months I have been applying to Target for the card but was denied each time. I read Saar's post about his applying and getting denied and using the denial to access his credit reports for free. He mentioned that he got approved. I decided to give it a try and got approved! What gives? I mean I'm thrilled to pieces but why now after so many denials? Since I have been about 18-24 months into the rebuilding process, I think it might be a good idea to keep this one. What do you guys think? Is it true it does wonders for your FICO score? Here is my history:

FCNB $525.00 LIMIT (partially secured; opened 02/00)
ARIA $500.00 LIMIT (opened 11/00, no increases yet)
CAP1 $400.00 LIMIT (limit was $200.00 until 2 weeks
ago when I called asking for a limit increase; approved $200.00 increase)
CAP1 $200.00 LIMIT (oldest tradeline opened 06/99 they
reopened after account was charged off. No increases available with this type of account. I plan to close 06/01.)
CAP 1 $200.00 LIMIT (opened 12/00; Kmart card. I plan
to close).
CHEVRON $300.00 LIMIT (opened 10/00. Credit builder account.)
AT&T CELL NO LIMIT (opened 07/00. Account began life as
a $200.00 service limit account. After 6 months of excellent
payments, they dropped the service limit)
CAR LOAN $13000.00 (opened 04/00, horrible interest
rate. I'd like to refinance)

All of these accounts appear on my credit report as:
OPEN/NEVER LATE

Now for the bad news:

1. Tons of inquiries (beginning today, I am swearing off
the stuff!!)
2. Cross Country Charge off 06/98 (I know, I know. Big
mistake!)
3. Capital One Paid chargeoff 07/99.

4. Some small piddly collections, mostly doctor bills between 1997 and 1999 before I got some health insurance.
I'm working on paying this in exchange for deletion.

Thanks all,
CR