The limits will prosper with time. Run everything through one card, pay it off every week if you have to. Dont use your debit card ever. Don't take the triple pull from capital one...if you do grab a venture then a quicksilver. You may not get approved for a venture. Then you are stuck with potentially 2 annual fees (v1 + qs1)...but you could get them removed later.
The utilization thing will get better as you add more cards. You could check at amex if you are prequalified. If you can afford the spend, theres a 25k MR point offer after 2k spend, and you can use the same experian inquiry and snag the PRG charge card 50k MR point offer. Basically spend 3k in 90 days and net 75k MR points. A decent deal.
I am betting others will chime in,maybe suggest you contact capital one and see if you can get your secured card unsecured? I bet you could and the limit would increase as well. And get it converted to a quicksilver. If they say no.....Who knows they are crazy and encourage folks to carry multiple types of their products so you very well could get approved. Then combine some cards after 6 months.
When was the last time you requested a CLI with discover? I dont really care much for the barclays rewards other than getting in the door with them. You would be better off using a regular 2% card instead of one that limits you to categories.
Who do you bank with? You may benefit from a credit union credit card they tend to be higher limits?
I would look at your spending as well and get something that will grow with you or can be PC'd later to better suit your needs.
