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? Is the Varo Believe Card a secured credit card? When am I eligible to apply for the Varo Believe Program? Does Varo report payment experience on the Varo Believe Card to credit bureaus? Is interest charged on the Varo Believe Card?