A plastic credit card with full pay is not the same as one with a pay in full option. You should not carry cash around with you. It won't affect your credit score if it's not being used. If you don't use your credit card, it can lead to debt. Luckily, there are more options than ever.
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 an idea of your spending habits and are in control, you can look into debt consolidation. This will allow you to manage your budget effectively and leave you with some savings and retirement funds.
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. You should also be able cancel your credit card if it is stolen and apply for a new one. You can find reputable online retailers or consult a credit card expert if you are looking for a new card. It is worth spending a few minutes to figure out which card is best for you. A poor provider can cost you a lot in the long-term.