You don’t need another credit card! First, your score will improve as you pay off debt. Second, why do you need to handle credit? If you want to pay cash, you don’t NEED credit. Third, a debit card will do everything a credit card will do, except incur more debt. Fourth, and I’ll be nice – your husband is sadly mistaken. What big ticket items do you need? New washer? Save up and pay cash.
Car? Same thing. You can actually buy a house with cash, but most people don’t want to wait long enough to save a couple hundred thousand dollars..
But you do NOT need a credit card for daily living, and you’ll be better off without it. I hope I wasn’t unclear. 🙂