diff -drupN a/fs/cifs/connect.c b/fs/cifs/connect.c
--- a/fs/cifs/connect.c	2018-08-06 17:23:04.000000000 +0300
+++ b/fs/cifs/connect.c	2022-06-12 05:28:14.000000000 +0300
@@ -2439,7 +2439,7 @@ cifs_set_cifscreds(struct smb_vol *vol,
 	}
 
 	down_read(&key->sem);
-	upayload = user_key_payload(key);
+	upayload = user_key_payload_locked(key);
 	if (IS_ERR_OR_NULL(upayload)) {
 		rc = upayload ? PTR_ERR(upayload) : -EINVAL;
 		goto out_key_put;