Does bhakti come from bhakti or from punya?

n SB 10.12.11- ittham satam brahmasukhanubhutya.., there is the word krita punya punjah- which means those who have accumulated pious deeds- the verse is saying that such persons can play with the Supreme Lord. I have heard you explain that bhakti only comes from bhakti, not from punya? Does the word ‘punya’ here mean ‘bhakti’?  BG 7.28 and its purport also seem to suggest that one’s sins need to end first through pious activities before bhakti can begin.In general, there seems to be some confusion on this point. Some devotees talk about ‘sukriti’ in the context of bhakti, others say that sukriti is irrelevant, that it is the *causeless* mercy of the Vaisnavas and point to Srila Prabhupada’s disciples who were hippies and led sinful lives before becoming Vaisnavas. It would really help to get a clear discussion of this point.