diff --git a/src/main/java/hudson/plugins/git/GitSCM.java b/src/main/java/hudson/plugins/git/GitSCM.java
index b9b3096b50..a50c0b3cdc 100644
--- a/src/main/java/hudson/plugins/git/GitSCM.java
+++ b/src/main/java/hudson/plugins/git/GitSCM.java
@@ -913,9 +913,6 @@ private GitClient createClient(TaskListener listener, EnvVars environment, @NonN
         Git git = Git.with(listener, environment).in(ws).using(gitExe);
 
         GitClient c = git.getClient();
-        for (GitSCMExtension ext : extensions) {
-            c = ext.decorate(this,c);
-        }
 
         for (UserRemoteConfig uc : getUserRemoteConfigs()) {
             String ucCredentialsId = uc.getCredentialsId();
@@ -939,6 +936,10 @@ private GitClient createClient(TaskListener listener, EnvVars environment, @NonN
         }
         // TODO add default credentials
 
+        for (GitSCMExtension ext : extensions) {
+            c = ext.decorate(this,c);
+        }
+
         return c;
     }
 
diff --git a/src/test/java/hudson/plugins/git/GitSCMTest.java b/src/test/java/hudson/plugins/git/GitSCMTest.java
index d535db9694..f9cf6fee2e 100644
--- a/src/test/java/hudson/plugins/git/GitSCMTest.java
+++ b/src/test/java/hudson/plugins/git/GitSCMTest.java
@@ -5,6 +5,7 @@
 import com.cloudbees.plugins.credentials.CredentialsStore;
 import com.cloudbees.plugins.credentials.SystemCredentialsProvider;
 import com.cloudbees.plugins.credentials.common.StandardCredentials;
+import com.cloudbees.plugins.credentials.common.StandardUsernameCredentials;
 import com.cloudbees.plugins.credentials.domains.Domain;
 import com.cloudbees.plugins.credentials.impl.UsernamePasswordCredentialsImpl;
 import org.htmlunit.html.HtmlPage;
@@ -2935,6 +2936,30 @@ public void testCommitMessageIsPrintedToLogs() throws Exception {
         r.waitForMessage("Commit message: \"test commit\"", run);
     }
 
+    @Issue("JENKINS-73677")
+    @Test
+    public void testExtensionsDecorateClientAfterSettingCredentials() throws Exception {
+        assumeTrue("Test class max time " + MAX_SECONDS_FOR_THESE_TESTS + " exceeded", isTimeAvailable());
+        FreeStyleProject project = setupSimpleProject("master");
+        StandardCredentials extensionCredentials = createCredential(CredentialsScope.GLOBAL, "github");
+        store.addCredentials(Domain.global(), extensionCredentials);
+        // setup global config
+        List<UserRemoteConfig> remoteConfigs = GitSCM.createRepoList("https://github.com/jenkinsci/git-plugin", null);
+        project.setScm(new GitSCM(
+            remoteConfigs,
+            Collections.singletonList(new BranchSpec("master")),
+            false,
+            null,
+            null,
+            null,
+            List.of(new TestSetCredentialsGitSCMExtension((StandardUsernameCredentials) extensionCredentials))));
+        sampleRepo.init();
+        sampleRepo.write("file", "v1");
+        sampleRepo.git("commit", "--all", "--message=test commit");
+        Run<?, ?> run = r.buildAndAssertSuccess(project);
+        r.waitForMessage("using GIT_ASKPASS to set credentials " + extensionCredentials.getDescription(), run);
+    }
+
     private void setupJGit(GitSCM git) {
         git.gitTool="jgit";
         r.jenkins.getDescriptorByType(GitTool.DescriptorImpl.class).setInstallations(new JGitTool(Collections.emptyList()));
@@ -2968,4 +2993,19 @@ private boolean isWindows() {
     private StandardCredentials createCredential(CredentialsScope scope, String id) throws FormException {
         return new UsernamePasswordCredentialsImpl(scope, id, "desc: " + id, "username", "password-needs-to-be-14");
     }
+
+    public static class TestSetCredentialsGitSCMExtension extends GitSCMExtension {
+
+        private final StandardUsernameCredentials credentials;
+
+        public TestSetCredentialsGitSCMExtension(StandardUsernameCredentials credentials) {
+            this.credentials = credentials;
+        }
+
+        @Override
+        public GitClient decorate(GitSCM scm, GitClient git) throws GitException {
+            git.setCredentials(credentials);
+            return git;
+        }
+    }
 }