A plastic credit card with full pay is not the same as one with a pay in full option. Also, it is not the same thing as carrying cash. If you stop using your credit card, your credit score is not affected. Using a credit card at all costs can get you into debt. Fortunately, you have more options than ever.
The best way to approach it is to be honest about your debts. If you're using a creditcard, it is a smart move to have it paid off before using it. Once you have a good handle on your spending habits you can look into debt consolidation. This will help you make the most of your money and allow you to save for retirement.
Also, you might consider applying to a credit-card with a lower annual interest rate. This will help you reduce your monthly payments, and also allow you to pay off your debt faster. This is one of your best options to protect your credit rating. In addition, if your credit card is stolen, you should be able to cancel it and apply for a replacement. If you're in the market for a new credit card, check out a reputable online retailer or call a credit card expert. Taking a few minutes to determine which type of card is right for you is well worth it. Untrustworthy providers will eventually cost you a lot.