Will being late on repayments affect my spend limit? 31 March 2020 04:59 Updated Yes. Your spend limit will only increase if your repayments are made in full and on time. Related articles How and when do I accept my Inkpay job? How can I increase my spend limit? My tattoo isn't finished, do I still have to make repayments? What is a QuikQuote and how to create one? How much do I pay on the day of my tattoo?