A pay in full credit is different from a plastic card. You should not carry cash around with you. Your credit score won't be affected by the fact that you don't use your card. You can end up in debt if you use your credit card every chance you get. There are many options available to you.
The best way to approach it is to be honest about your debts. Assuming you are using a credit card, it is a good idea to get it paid off before you start using it. After you are able to identify your spending patterns, you can begin looking into debt consolidation services. You will be able, hopefully, to maximize your budget and make sure you have plenty of money left over for savings and retirement.
You might also consider applying for credit cards with lower interest rates while you're at the same time. This will reduce monthly payments and make it easier to pay off your outstanding balance. It is a great way to maintain your credit score. In addition, if your credit card is stolen, you should be able to cancel it and apply for a replacement. Look online for reliable credit card experts or check with an established retailer. It's well worth taking the time to decide which type of card you want. A poor provider can cost you a lot in the long-term.