If I use all the money I have in my Believe Secured Account, will Varo Believe report high utilization and hurt 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 How is my credit (spending) limit determined? What happens if I choose not to turn on Safe Pay? How does the Varo Believe Program work? Does Varo report payment experience on the Varo Believe Card to credit bureaus? Can I move money out of my Varo Believe Secured Account?