diff --git a/include/linux/jbd2.h b/include/linux/jbd2.h
index ee6de17ed167201700b261cf7bf748aa134d50cf..7dd9d25a9cbb8c861b7270ac640af6fc951b2669 100644
--- a/include/linux/jbd2.h
+++ b/include/linux/jbd2.h
@@ -1654,10 +1654,14 @@ static inline tid_t  jbd2_get_latest_transaction(journal_t *journal)
 	return tid;
 }
 
-
 static inline int jbd2_handle_buffer_credits(handle_t *handle)
 {
-	journal_t *journal = handle->h_transaction->t_journal;
+	journal_t *journal;
+
+	if (!handle->h_reserved)
+		journal = handle->h_transaction->t_journal;
+	else
+		journal = handle->h_journal;
 
 	return handle->h_total_credits -
 		DIV_ROUND_UP(handle->h_revoke_credits_requested,