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 Will missing a repayment affect my account with INKPAY? How can I increase my spend limit? Why have I been charged a late fee? How much are the late fees? How and when do I accept my INKPAY job?