A pay in full credit card is not the same as a plastic one. Also, it is not the same thing as carrying cash. Your credit score won't be affected by the fact that you don't use your card. A credit card can make you indebted. You have many choices.
The best way to approach it is to be honest about your debts. If you have a credit card, you should get it paid off before you use it. Once you have a good handle on your spending habits you can look into debt consolidation. This will allow you to manage your budget effectively and leave you with some savings and retirement funds.
If you have the time, apply for a credit card that has a lower rate of interest. This will save you money and allow you to pay your balance off sooner. One of the best ways you can keep your credit score up is to monitor your credit card. You should also be able cancel your credit card if it is stolen and apply for a new one. If you're in the market for a new credit card, check out a reputable online retailer or call a credit card expert. It's well worth taking the time to decide which type of card you want. You will pay a lot more if you choose a bad provider.