A pay in whole credit card is different than a plastic one. Also, it is not the same thing as carrying cash. Luckily, your credit score won't take a hit if you're not using it. Using a credit card at all costs can get you into debt. You have many choices.
It's best to make a full assessment of all your debts and to create a budget. If you have a card that you use, it's a good idea get it paid off. Once you have a good handle on your spending habits you can look into debt consolidation. You will be able, hopefully, to maximize your budget and make sure you have plenty of money left over for savings and retirement.
While you're at it, consider applying for a credit card with a lower interest rate. This will save you money and allow you to pay your balance off sooner. You can improve your credit score by keeping track of your credit card. If your credit card is stolen you will be able to cancel it or 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. 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.