Op..
Your credit is too thin and fresh.... You need to age ... and not just three months.. More like 6mo - year.... Take what you have and age them.....
Seen this where other cards want your previous cards to have a bit of age on them before they will play ball... In that time, you should be able to grow both the Discover and Amex...... Barclay, similar to Chase and a few others does NOT like young credit profiles.... You have a good starting lineup... they just need some time......
-J
i'd like to get some cards that send out 0% BT offers after the promo for new cards has ended, i thought citi was supposed to be the best for that?
i go directly to banks websites to check prequals to show them i'm interested, and i log into experian to look at their card recommendations. about a week ago i started getting recommended for chase and citi cards on experian, with the approval chance listed as "good" even though my score hasn't changed. it's probably from my accounts aging because my amex hasn't reported yet.
all the mail i got so far came from experian partners so i'm considering to sign up at TU and EQ to see if i get different or better mail. my highest score is on TU so maybe i'll get better offers from those partners 
OP- consider gardening another 6 months. Having that larger limit with AmEx will be your rock. Just continue showing interest to other lenders and do nothing with them. My experience shows banks love to play hard to get and they will see you have AmEx in your corner. Gardening is tough, but gets easier over time and pays off in a huge way. Just hit your current lenders up for CLI requests while gardening. I don't do business with AmEx, but I understand CLI's are a strong point for them. And Discover can literally deny you today for any wonky reason and throw you a 3k CLI tomorrow 😂 Time is your best weapon.
@Remedios wrote:Experian gets paid to peddle cards, and their recommendations are about as accurate as 8 ball predictions.
You really need to stay away from the app if you want those letters to come one day
The only thing worse than dirty files when it comes to approvals are young files.
**Also, you just got your cards, why is BT even being thrown into the mix at this time?**
Are you rebuilding? Because if you are, balances are what gets us in trouble in a first place
If you just started, but are planning to carry them, see above
+1 on all the above.
Especially good question in bold.
I missed the very young age on your cards when you asked about BT options.
Unless you're combining non-revolving debt of some kind, rebuilding, or needing some temporary major purchases, I agree that this could be a major sign of trouble. Carrying a balance is a downward spiral that is hard to swim out of. I had to do it at one point after a major career disruption and it took a very long time to pay it all off, even with 0% BT offers, refinancing a house, etc. A little credit can be very dangerous if you're not careful and know what you're doing.
By the way, you do realize that 0% financing offers are not completely free money? You still normally have to pay a 3% to 5% BT fee, which could easily be several hundred dollars or more depending on the balance. It's effectively an annual rate of 3-5% if you get 12-months @ 0%. Cheaper than regular rates, but not free. Meanwhile, the higher you drive up your utilization rate (your percentage of credit line you are using), the more it impacts your credit score for the short term. High utilization can really tank a good score. It can even cause your other lenders to get concerned as they do account reviews (AR) and decide to take adverse action (AA) by decreasing your CLs or closing accounts in the most extreme cases. With a thin file like yours, that could especially be true. In my situation I discussed above, I experienced some of that, even with a much thicker and established file. For the best scores, you want a utilization under 9% of your limit. From there, as it climbs, it starts to lower your score.
Yes, you read that right. 9% or less is optimum. 
So if you reframe your credit lines in that context, you should shoot for routinely having statement balances on your $1K card of $90 or less, your $1.5K card of $135 or less, and your $6K card of $540 or less. If you think about this this way, it will help to keep you out of trouble. That's why many of us pursue the high limits; for utilization padding to allow us to actually use our credit lines more realistically without decreasing scores as much.
All of that said, you asked,
wrote: "i'd like to get some cards that send out 0% BT offers after the promo for new cards has ended, i thought citi was supposed to be the best for that?
@Aim_High wrote:
@Remedios wrote:Experian gets paid to peddle cards, and their recommendations are about as accurate as 8 ball predictions.
You really need to stay away from the app if you want those letters to come one day
The only thing worse than dirty files when it comes to approvals are young files.
**Also, you just got your cards, why is BT even being thrown into the mix at this time?**
Are you rebuilding? Because if you are, balances are what gets us in trouble in a first place
If you just started, but are planning to carry them, see above
+1 on all the above.
Especially good question in bold.
I missed the very young age on your cards when you asked about BT options.
Unless you're combining non-revolving debt of some kind, rebuilding, or needing some temporary major purchases, I agree that this could be a major sign of trouble. Carrying a balance is a downward spiral that is hard to swim out of. I had to do it at one point after a major career disruption and it took a very long time to pay it all off, even with 0% BT offers, refinancing a house, etc. A little credit can be very dangerous if you're not careful and know what you're doing.
By the way, you do realize that 0% financing offers are not completely free money? You still normally have to pay a 3% to 5% BT fee, which could easily be several hundred dollars or more depending on the balance. It's effectively an annual rate of 3-5% if you get 12-months @ 0%. Cheaper than regular rates, but not free. Meanwhile, the higher you drive up your utilization rate (your percentage of credit line you are using), the more it impacts your credit score for the short term. High utilization can really tank a good score. It can even cause your other lenders to get concerned as they do account reviews (AR) and decide to take adverse action (AA) by decreasing your CLs or closing accounts in the most extreme cases. With a thin file like yours, that could especially be true. In my situation I discussed above, I experienced some of that, even with a much thicker and established file. For the best scores, you want a utilization under 9% of your limit. From there, as it climbs, it starts to lower your score.
Yes, you read that right. 9% or less is optimum.
All of that said, you asked,
wrote: "i'd like to get some cards that send out 0% BT offers after the promo for new cards has ended, i thought citi was supposed to be the best for that?
Spot-On, excellent article.
@Anonymous wrote:i don't think they would balance chase you for carrying a balance on a BT offer would they?
They can and will under the right combination of circumstances. It depends on the overall picture. Just be careful.
Let's say you BT and have a high UTI with Bank A. Then you do the same with Bank B. Bank A may see that second high balance and start to balance chase you to lower their risk. And Bank B may follow. The problem is, you don't know when you will have exceeded their internal comfort levels, even though you are well within the margins of your approved credit line. Different banks have different tolerances and there are also complex variables at play within any given credit report, so it's hard to predict. It's best to be conservative.