This is my first ever post, but I wanted to share my journey. I had my chapter 13 discharge in October of 2014. I was approved for the Target card May of 15 with a 300 credit limit. I used it, paid it in store eventually i was over 30% and started paying it back down. By October of 15, around my birthday they auto increased me to $700. I did a little christmas shopping, and continued to make monthly payments along with paying off anything i bought in store at that moment. I went to Houston in January, and when I got home, but limit was increased to $1200.
I'm not totally sure why I've been fortunate with them thus far, but I am happy the account is growing. I was concerned due to the many negative reviews out there, but none of that has been my experience.