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 Will applying for the Varo Believe Program impact my credit? What if I make a late payment? Will it impact my credit score? How is my credit (spending) limit determined? Can I use my Varo Believe card at an ATM? How do I add money to my Varo Believe Secured Account?