Clone a repository locally

I need a local copy of the payments-lib repo so I can implement token rotation. Clone the repository acme-payments/payments-lib to my machine into ~/code/payments-lib, check out the feature/token-rotation branch if it exists, otherwise create the branch from origin/main. Verify that LFS files, submodules, and Git hooks are cloned.

Before teammates clone, make it as painless as possible. Add a short Getting Started section at the top of README showing the exact clone command including the target path, describe required credentials or SSH vs HTTPS, note any large files or submodules and how to fetch them, and add a script or git template to install recommended hooks. Call out troubleshooters for common clone failures.

I tried to clone acme-payments/payments-lib and got a permission denied error. My coworker Anna can clone fine. I don't know whether it's my SSH key, an org membership, or repo visibility. What is the most likely cause given Anna's success, and what sequence of checks and fixes will get me unstuck quickly without changing org-wide settings?

New hires keep emailing that they can't clone repos on day one because SSH keys, 2FA, or org invites weren't completed. This creates stop-the-line delays for onboarding. Which credential and invite steps should I standardize and automate so a developer can clone any team repo on day zero, and what quick habit will prevent regressions?