A pay in full credit is different from a plastic card. You should not carry cash around with you. If you stop using your credit card, your credit score is not affected. A credit card can make you indebted. There are many options available to you.
The best way to go about it is to take a frank assessment of your current debts and set a budget. Assuming you are using a credit card, it is a good idea to get it paid off before you start 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.
While you're at it, consider applying for a credit card with a lower interest rate. This will help you reduce your monthly payments, and also allow you to pay off your debt faster. 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. Look online for reliable credit card experts or check with an established retailer. 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.