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Need money now bad credit - May 13,  · If you want a Venmo Debit Card, you’ll need to apply online. To get a Venmo Credit Card, you need to be over 18 and a U.S. resident—and you also need to have had your Venmo account for at least 30 days. Is Venmo Safe? What Are the Risks of Using Venmo? Venmo is generally very safe—the company uses bank-level encryption to keep your data safe.