I’m not a fan of credit cards, one of the problems in my marriage, as I prefer to live within my means.
Apologies if this feels like a high jack of your thread, I really wanted to clarify what I mean about a credit card.
I use a credit card for lots of things. It does not stop me living within my means. My credit card account is automatically paid off in full from my current account each month. I'm proud to have never paid any interest on my credit card account.
Apart from convenience, there are really useful side effects of using a credit card, such as consumer protection for travel - for example, if goods are faulty or a flight is cancelled, so long as you paid by credit card, you can claim your money back from the credit company and leave it to them to claim back from the suppliers of faulty goods.
It is good for your personal credit rating to hold a credit card where the account is always paid off in full each month. This build your identify as a credit worthy company and can be helpful when trying to access larger items of credit such as a mortgage.
Good luck in your new world of having sole responsibility for your own finances.