Will being late on repayments affect my spend limit? 04 January 2022 23:12 Updated Yes. Your spend limit will only increase if your repayments are made in full and on time. Related articles How much are the late fees? What if my tattoo cost more than my spend limit? Will missing a repayment affect my account with INKPAY? Do I have to use my full INKPAY spend limit in one sitting? What does it mean if my account has the status of COLLECTION?