Well...here is the rational.
This site will have 2 kind of users, business users and end_users.
Each of these will be in separate tables(the foreign keys will be there)
And the foreign keys from the above 2 will reference a table named credentials where the passwords and e-mails will be kept of the above 2.
So, for organisational purposes I have these 3 tables, I think it is better that a big monolithic table where business user and end users get mixed up.
What do you think?