gitconfig - interaction between credential.helper and includeIf

What did you do before the bug happened? (Steps to reproduce your issue)

I created the following files:

``` ~/workspace/.gitconfig-workspace
[credential]
    helper = store --file ~/workspace/.git-credentials-workspace
```

``` ~/.gitconfig
[credential]
    helper = store
[includeIf "gitdir:~/workspace/"]
    path = ~/workspace/.gitconfig-workspace
```

I then tried to use my credentials in a repository under `~/workspace`.

What did you expect to happen? (Expected behavior)

I expected that within `~/workspace`, the credential file would be `~/workspace/.git-credentials-workspace`.

I expected that outside `~/workspace`, the credential file would be `~/.git-credentials`.

The two `.git-credentials*` files have different credentials to the same URL.

What happened instead? (Actual behavior)

The credentials within file `~/workspace/.git-credentials-workspace` are not being properly applied for repositories within `~/workspace`.

What's different between what you expected and what actually happened?

I expected that `~/.git-credentials` and `~/workspace/.git-credentials-workspace` would be isolated from each other. But there are interactions even though `includeIf` was used.

Anything else you want to add:

The following configuration works:

``` ~/.gitconfig
[credential]
    helper = store
[includeIf "gitdir:~/workspace/"]
    path = ~/workspace/.gitconfig-workspace
[includeIf "gitdir:~/another-workspace/"]
    path = ~/another-workspace/.gitconfig-another-workspace
```

``` ~/another-workspace/.gitconfig-another-workspace
[credential]
    helper = store --file ~/another-workspace/.git-credentials-another-workspace
```

This is not ideal as repositories must be contained within these enumerated paths.

This configuration has unexpected behavior:

``` ~/.gitconfig
[includeIf "gitdir:~/workspace/"]
    path = ~/workspace/.gitconfig-workspace
[credential]
    helper = store
```

The credential in `~/workspace/.git-credentials-workspace` will be accessed and then stored into `~/.git-credentials`. Git is interacting with both files.

Please review the rest of the bug report below. You can delete any lines you don't wish to share.

[System Info] git version: git version 2.45.2 cpu: arm64 no commit associated with this build sizeof-long: 8 sizeof-size_t: 8 shell-path: /bin/sh feature: fsmonitor--daemon uname: Darwin 23.5.0 Darwin Kernel Version 23.5.0: Wed May 1 20:12:58 PDT 2024; root:xnu-10063.121.3~5/RELEASE_ARM64_T6000 arm64 compiler info: clang: 15.0.0 (clang-1500.3.9.4) libc info: no libc information available $SHELL (typically, interactive shell): /bin/zsh

[Enabled Hooks]