Answer by mhd-danish for Cloning a private github repo without credentials?

The same happened to me but the problem was that my credentials were stored in Windows Credentials(Credential Manager from control panel if you are using windows). This usually happens when you have logged in to your GitHub account in the browser and Git Bash v2.36.1 which I am using asks for a one-time password unlike the git config --global credential.helper which only stores the credentials for 15 mins.