How is my credit (spending) limit determined? Please upgrade your app to the most recent version to view our help center, or go to support.varomoney.com. Related articles How does the Varo Believe Secured Account work? If I use all the money I have in my Believe Secured Account, will Varo Believe report high utilization and hurt my credit score? I don’t see the option to apply for Varo Believe in my Varo Bank app? Can I open more than one Varo Bank account? How does Varo’s digital debit card work?