I was approved for the Amex SPG on 9/4 and received the card yesterday. What surprised me was that Amex gave me the best interest rate @ 15.24%, yet started me out at 2k limit again. So my question is what factors in a credit report that lenders use to determine credit limit? Aren't they averaging the limit on all your cards and give you one that is close to if not above your average? Any advice would be greatly appreciated!