If you commit vaisnava-aparadha then you do not lose your pious credits from your devotional service. It still stays in your spiritual bank account but what happens is that your bank account gets frozen. Just like when you have a bank account and the government freezes your bank account and you cannot get the money. So when you commit vaisnava-aparadha, your bank account of the spiritual credit gets frozen.
Then you have to suffer for sometime and then when you get purified by the suffering th





