Transforming Credit Cards into Debit Cards

You don't need ClearCred to do that. And you don't need to pay ClearCred to do that for you. Just maintain your credit card to hold a positive balance instead of a debit balance.

That just needs a little discipline to keep note of your current credit card balance. When the credit card balance starts heading down towards zero, just transfer a few hundred bucks or so across to it online from one of your other bank accounts.

That way, you'll always have a credit balance, and you'll keep your money in your own pocket instead of it going to the Banks as high-rate of interest payments on your credit card.