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No minimum credit score required. Discover a stress free, worry free, debt freee way to build credit with the varo believe secured credit card. No interest, fees or credit check to apply. Get your credit up with the varo beleive secured credit card. There’s no credit history required. No massive income needed. And no interest or fees. The varo believe card (“believe card” or “card”) is a secured visa® charge card, issued by varo bank, n. a. “we,” “our,” and “us” refer to the bank, our successors, affiliates or.