Credit gives the word to pay either by repaying it or returning those resources later. In other words, this credit is the method of making the reciprocity formal, legally enforceable, and of course, extensible to a vast group of people who are not related.
However, the resources provided may be financial or have goods or services, like consumer credit. The credit covers any form of deferred payment. Credit generally gets extended by the creditor, the debtor or lender, and sometimes the borrower.
A fellow is the common term of reference for individuals, mostly those engaged in shared activities, or those with similar qualities, attributes, conditions, and so on. This could be someone with the same profession or hobbies or interests, or even someone in the same scenario as an individual.
While the usage of the term is common across all sectors of business and industry, it could have a specific meaning in the real estate or property sector. One could be a fellow of the real estate institute or any other institution for example, meaning that he/she has studied at the institution offering courses or educational programs on real estate in this case.