Credential leakage in public source code repositories poses a critical security threat, with over 23.8 million secrets exposed in 2024 alone. Existing detection tools suffer from high false-positive rates because rigid pattern matching and binary classification schemes fail to distinguish genuine credentials from placeholder or weak credentials. We propose a three-class classification framework that explicitly models placeholder or weak credentials as a distinct class, leveraging CodeBERT-based semantic understanding combined with character-level pattern recognition. We evaluate our approach on a newly constructed dataset of 9,426 samples spanning 10 programming languages. Our model achieves a Matthews Correlation Coefficient of 0.86 and a macro F1-score of 0.90, achieving 93% recall and 89% precision for genuine credential leaks while reducing high severity alerts by 33.0% (from 373 to 250) without sacrificing security coverage. Compared to prior character-level approaches, our method improves placeholder or weak credential detection from 54% to 81% F1-score while maintaining strong cross language generalization, with 9 of 10 languages achieving F1 above 0.80 under leave-one-language-out evaluation.