}
 
        /* reserve clusters for xattr value which will be set in B tree*/
-       if (si->value_len > OCFS2_XATTR_INLINE_SIZE)
-               *want_clusters += ocfs2_clusters_for_bytes(dir->i_sb,
-                                                          si->value_len);
+       if (si->value_len > OCFS2_XATTR_INLINE_SIZE) {
+               int new_clusters = ocfs2_clusters_for_bytes(dir->i_sb,
+                                                           si->value_len);
+
+               *xattr_credits += ocfs2_clusters_to_blocks(dir->i_sb,
+                                                          new_clusters);
+               *want_clusters += new_clusters;
+       }
        return ret;
 }
 
 {
        int ret = 0;
        struct ocfs2_super *osb = OCFS2_SB(dir->i_sb);
-       int s_size = 0;
-       int a_size = 0;
-       int acl_len = 0;
+       int s_size = 0, a_size = 0, acl_len = 0, new_clusters;
 
        if (si->enable)
                s_size = ocfs2_xattr_entry_real_size(strlen(si->name),
                *xattr_credits += ocfs2_blocks_per_xattr_bucket(dir->i_sb);
        }
 
-       /* reserve clusters for xattr value which will be set in B tree*/
-       if (si->enable && si->value_len > OCFS2_XATTR_INLINE_SIZE)
-               *want_clusters += ocfs2_clusters_for_bytes(dir->i_sb,
-                                                          si->value_len);
+       /*
+        * reserve credits and clusters for xattrs which has large value
+        * and have to be set outside
+        */
+       if (si->enable && si->value_len > OCFS2_XATTR_INLINE_SIZE) {
+               new_clusters = ocfs2_clusters_for_bytes(dir->i_sb,
+                                                       si->value_len);
+               *xattr_credits += ocfs2_clusters_to_blocks(dir->i_sb,
+                                                          new_clusters);
+               *want_clusters += new_clusters;
+       }
        if (osb->s_mount_opt & OCFS2_MOUNT_POSIX_ACL &&
            acl_len > OCFS2_XATTR_INLINE_SIZE) {
-               *want_clusters += ocfs2_clusters_for_bytes(dir->i_sb, acl_len);
-               if (S_ISDIR(mode))
-                       *want_clusters += ocfs2_clusters_for_bytes(dir->i_sb,
-                                                                  acl_len);
+               /* for directory, it has DEFAULT and ACCESS two types of acls */
+               new_clusters = (S_ISDIR(mode) ? 2 : 1) *
+                               ocfs2_clusters_for_bytes(dir->i_sb, acl_len);
+               *xattr_credits += ocfs2_clusters_to_blocks(dir->i_sb,
+                                                          new_clusters);
+               *want_clusters += new_clusters;
        }
 
        return ret;