What if I make a late payment? Will it impact my credit score? Please upgrade your app to the most recent version to view our help center, or go to support.varomoney.com. Related articles Does the Varo Believe Program have fees? Can I move money out of my Varo Believe Secured Account? How is the Varo Believe Program different from a prepaid card? 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?