If I don’t have Safe Pay turned on, can I still build my credit history? Please upgrade your app to the most recent version to view our help center, or go to support.varomoney.com. Related articles How is the Varo Believe Program different from a prepaid card? When am I eligible to apply for the Varo Believe Program? Is the Varo Believe Card a secured credit card? Is interest charged on the Varo Believe Card? Does Varo report payment experience on the Varo Believe Card to credit bureaus?