A plastic credit card with full pay is not the same as one with a pay in full option. This is also not the same as carrying cash. Your credit score won't be affected by the fact that you don't use your card. Using a credit card at all costs can get you into debt. Luckily, there are more options than ever.
You can do this by taking a candid assessment of your current debts, and setting a budget. If you're using a creditcard, it is a smart move to have it paid off before using it. Once you have a handle on your spending habits, you can start looking into a debt consolidation service. Hopefully, you'll be able to make the most of your budget and have some breathing room for your savings and retirement.
Consider applying for a credit line with a lower interest rate while you are at it. This will allow you to save money on your monthly payments and help you pay off your balance faster. Keeping tabs on your credit card is one of the best ways to keep your credit score on the up and up. You should also be able cancel your credit card if it is stolen and apply for a new one. Check out an online credit card specialist or reputable online retailer if you are in search of a new credit cards. It is worth spending a few minutes to figure out which card is best for you. You will pay a lot more if you choose a bad provider.