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Scammers sometimes pretend to be someone you know and say they need money for an emergency, or claim to want to send you a prize or payment, as long as you send them money first, the Federal Trade Commission says. However, Varo lets you choose anywhere from 15 to 30 days from the date you receive your advance. Over time, the advance you’re able to take can increase if you maintain a positive balance in your bank account and manage your spending. The class-action pointed to a 2021 incident the company disclosed in 2022, in which a former employee downloaded reports of some U.S.