Keeping track on credits for users with leech seems like a useless idea imho. Users with leech don't need credits to download and don't have to upload anything to be able to download. And if they DO upload...
...their STATS are counted and if a particular user is changed from leech to ratio (and even if that user hasn't had leech all the time) you as administrator can give him the amount of credits you think he is entitled to based on his upload stats. That amount probably won't be 100% accurate but close enough and will be a good start for that user to get used to ratio instead of leech on the site.
/ZR
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