A pay in whole credit card is different than a plastic one. It also is not the same as carrying cash around. Your credit score won't be affected by the fact that you don't use your card. A credit card can make you indebted. Fortunately, you have more options than ever.
You can do this by taking a candid assessment of your current debts, and setting a budget. 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. Hopefully, you'll be able to make the most of your budget and have some breathing room for your savings and retirement.
Also, you might consider applying to a credit-card with a lower annual interest rate. This will save you money and allow you to pay your balance off sooner. It is a great way to maintain your credit score. Additionally, if your card is stolen, it should be possible to cancel it and apply again for a credit card. 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. You will pay a lot more if you choose a bad provider.