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The Tomo credit card is a charge card, which means you will have to pay the card balance in full each month. Also, while you don't have to have a credit history to apply for the card, you will need at least one bank account. This bank account will be used to determine your creditworthiness, credit limit, and all card payments will be charged from it. You will have to control your card spendings and the funds available in your account to make sure you will be able to make all payments on time. If you can't make a payment, your card will be blocked.