diff --git a/test/rubygems/test_gem_config_file.rb b/test/rubygems/test_gem_config_file.rb
index ff62bde9356e..d3b45f337667 100644
--- a/test/rubygems/test_gem_config_file.rb
+++ b/test/rubygems/test_gem_config_file.rb
@@ -309,10 +309,12 @@ def test_load_api_keys_from_config
                   :other => 'a5fdbb6ba150cbb83aad2bb2fede64c'}, @cfg.api_keys)
   end
 
-  def test_save_credentials_with_strict_permissions
+  def test_save_credentials_file_with_strict_permissions
     util_config_file
-    @cfg
-    assert_equal mask, File.stat(path).mode unless win_platform?
+    FileUtils.mkdir File.dirname(@cfg.credentials_path)
+    @cfg.rubygems_api_key = '701229f217cdf23b1344c7b4b54ca97'
+    mode = 0100600 & (~File.umask)
+    assert_equal mode, File.stat(@cfg.credentials_path).mode unless win_platform?
   end
 
   def util_config_file(args = @cfg_args)