Talk to your bank, the one you have a checking account with. See what they can offer you. After six months ask for an increase. After another six months apply for a different card. Then repeat until you have the cards and limits you want.
You are doing pretty well for six months. After a couple years, as long as you have good income and PIF you will have some great cards.
This was my credit card path:
US Bank College Card $500 5/2011 Started at $300, then increased to $2500. Then later line swapped to $500
US Bank Select Rewards $1000 3/2012 Started at $3500, then line swapped to $1000.
Capital One Best Buy Store Card $3000 3/2012 Started at $1200, then grew to $3000
Capital One Journey $1500 3/2012 Started at $1000 then credit steps to $1500
US Bank Flexperks Signature $5000 6/2012 71k flexpoints accumulated...Applied and was declined unless I line swap from my other lines. I did this for approval.
Chase Freedom $5000 10/2012 Was just approved
Amex HHonors $2000 10/2012 Was just approved
As you can see all of my accounts are new. I only have one card that is over a year old. As long as you keep up with your cards, you can grow your credit quick.
If you cant afford to put a few grand into a secured card, then you'll just have to slowly gain trust from creditors until someone eventually gives you a larger limit.
Capital One is horrible with CLIs but they will give you at least one (I think it is usually 50% of your original limit).
If your Capital One card hasnt gotten its credit steps boost yet, your card's limit should be increased to $750 (and that's where it will probably stay).
The good news though is that other (prime) creditors may try to match your highest limit, so you could be starting at $750-$1000 limits.
Before I got that captial one card, I was still very early in my re-building process and I was only getting approved for $300 cards (no fee cards at least). Since Capital One approved me for the $500, I havent been approved for anything less than that.
Capital One actually gave me a 2nd increase on my platinum card (originally the card was $500 - then $750 - then 18 months later jumped to $2750!) and because of that huge jump, other creditors that I applied to approved me for similar limits (around $3K).
I think once one creditor takes a chance, the floodgates open.
I'm in a similar place as you, only I'm trying to get to the magic $5K card limits (for Visa Signature and World Mastercard accounts). My current highest limit is $4K...oh so close! 
@charyot77 wrote:If you cant afford to put a few grand into a secured card, then you'll just have to slowly gain trust from creditors until someone eventually gives you a larger limit.
Capital One is horrible with CLIs but they will give you at least one (I think it is usually 50% of your original limit).
If your Capital One card hasnt gotten its credit steps boost yet, your card's limit should be increased to $750 (and that's where it will probably stay).
The good news though is that other (prime) creditors may try to match your highest limit, so you could be starting at $750-$1000 limits.
Before I got that captial one card, I was still very early in my re-building process and I was only getting approved for $300 cards (no fee cards at least). Since Capital One approved me for the $500, I havent been approved for anything less than that.
Capital One actually gave me a 2nd increase on my platinum card (originally the card was $500 - then $750 - then 18 months later jumped to $2750!) and because of that huge jump, other creditors that I applied to approved me for similar limits (around $3K).
I think once one creditor takes a chance, the floodgates open.
I'm in a similar place as you, only I'm trying to get to the magic $5K card limits (for Visa Signature and World Mastercard accounts). My current highest limit is $4K...oh so close!
Great info!
Have you tried any line swapping to get to the magic $5k limit? That is how I did it.
Once it has been 6 months since you have done anything with US Bank, as in no new accounts or CLI's. You can apply for the card you want, either the cash+ or the Flexperks signature. If they decline, call them and get in touch with the underwriting department. They may even push the app through without any problems, but if they tell you the same thing they told me. Which was essentially, we have given you too much credit already you are cut off. I told them, I am willing to lower the limits on my current cards and swap the limit to get this new card. That worked for me, and it might work for you as well.
