diff --git a/contrib/credential/wincred/git-credential-wincred.c b/contrib/credential/wincred/git-credential-wincred.c
index cbaec5f24b9..dac19eac816 100644
--- a/contrib/credential/wincred/git-credential-wincred.c
+++ b/contrib/credential/wincred/git-credential-wincred.c
@@ -9,6 +9,8 @@
 
 /* common helpers */
 
+#define ARRAY_SIZE(x) (sizeof(x)/sizeof(x[0]))
+
 static void die(const char *err, ...)
 {
 	char msg[4096];
@@ -30,14 +32,6 @@ static void *xmalloc(size_t size)
 	return ret;
 }
 
-static char *xstrdup(const char *str)
-{
-	char *ret = strdup(str);
-	if (!ret)
-		die("Out of memory");
-	return ret;
-}
-
 /* MinGW doesn't have wincred.h, so we need to define stuff */
 
 typedef struct _CREDENTIAL_ATTRIBUTEW {
@@ -67,20 +61,14 @@ typedef struct _CREDENTIALW {
 #define CRED_MAX_ATTRIBUTES 64
 
 typedef BOOL (WINAPI *CredWriteWT)(PCREDENTIALW, DWORD);
-typedef BOOL (WINAPI *CredUnPackAuthenticationBufferWT)(DWORD, PVOID, DWORD,
-    LPWSTR, DWORD *, LPWSTR, DWORD *, LPWSTR, DWORD *);
 typedef BOOL (WINAPI *CredEnumerateWT)(LPCWSTR, DWORD, DWORD *,
     PCREDENTIALW **);
-typedef BOOL (WINAPI *CredPackAuthenticationBufferWT)(DWORD, LPWSTR, LPWSTR,
-    PBYTE, DWORD *);
 typedef VOID (WINAPI *CredFreeT)(PVOID);
 typedef BOOL (WINAPI *CredDeleteWT)(LPCWSTR, DWORD, DWORD);
 
-static HMODULE advapi, credui;
+static HMODULE advapi;
 static CredWriteWT CredWriteW;
-static CredUnPackAuthenticationBufferWT CredUnPackAuthenticationBufferW;
 static CredEnumerateWT CredEnumerateW;
-static CredPackAuthenticationBufferWT CredPackAuthenticationBufferW;
 static CredFreeT CredFree;
 static CredDeleteWT CredDeleteW;
 
@@ -88,74 +76,84 @@ static void load_cred_funcs(void)
 {
 	/* load DLLs */
 	advapi = LoadLibrary("advapi32.dll");
-	credui = LoadLibrary("credui.dll");
-	if (!advapi || !credui)
-		die("failed to load DLLs");
+	if (!advapi)
+		die("failed to load advapi32.dll");
 
 	/* get function pointers */
 	CredWriteW = (CredWriteWT)GetProcAddress(advapi, "CredWriteW");
-	CredUnPackAuthenticationBufferW = (CredUnPackAuthenticationBufferWT)
-	    GetProcAddress(credui, "CredUnPackAuthenticationBufferW");
 	CredEnumerateW = (CredEnumerateWT)GetProcAddress(advapi,
 	    "CredEnumerateW");
-	CredPackAuthenticationBufferW = (CredPackAuthenticationBufferWT)
-	    GetProcAddress(credui, "CredPackAuthenticationBufferW");
 	CredFree = (CredFreeT)GetProcAddress(advapi, "CredFree");
 	CredDeleteW = (CredDeleteWT)GetProcAddress(advapi, "CredDeleteW");
-	if (!CredWriteW || !CredUnPackAuthenticationBufferW ||
-	    !CredEnumerateW || !CredPackAuthenticationBufferW || !CredFree ||
-	    !CredDeleteW)
+	if (!CredWriteW || !CredEnumerateW || !CredFree || !CredDeleteW)
 		die("failed to load functions");
 }
 
-static char target_buf[1024];
-static char *protocol, *host, *path, *username;
-static WCHAR *wusername, *password, *target;
+static WCHAR *wusername, *password, *protocol, *host, *path, target[1024];
 
-static void write_item(const char *what, WCHAR *wbuf)
+static void write_item(const char *what, LPCWSTR wbuf, int wlen)
 {
 	char *buf;
-	int len = WideCharToMultiByte(CP_UTF8, 0, wbuf, -1, NULL, 0, NULL,
+	int len = WideCharToMultiByte(CP_UTF8, 0, wbuf, wlen, NULL, 0, NULL,
 	    FALSE);
 	buf = xmalloc(len);
 
-	if (!WideCharToMultiByte(CP_UTF8, 0, wbuf, -1, buf, len, NULL, FALSE))
+	if (!WideCharToMultiByte(CP_UTF8, 0, wbuf, wlen, buf, len, NULL, FALSE))
 		die("WideCharToMultiByte failed!");
 
 	printf("%s=", what);
-	fwrite(buf, 1, len - 1, stdout);
+	fwrite(buf, 1, len, stdout);
 	putchar('\n');
 	free(buf);
 }
 
-static int match_attr(const CREDENTIALW *cred, const WCHAR *keyword,
-    const char *want)
+/*
+ * Match an (optional) expected string and a delimiter in the target string,
+ * consuming the matched text by updating the target pointer.
+ */
+static int match_part(LPCWSTR *ptarget, LPCWSTR want, LPCWSTR delim)
 {
-	int i;
-	if (!want)
-		return 1;
+	LPCWSTR delim_pos, start = *ptarget;
+	int len;
 
-	for (i = 0; i < cred->AttributeCount; ++i)
-		if (!wcscmp(cred->Attributes[i].Keyword, keyword))
-			return !strcmp((const char *)cred->Attributes[i].Value,
-			    want);
+	/* find start of delimiter (or end-of-string if delim is empty) */
+	if (*delim)
+		delim_pos = wcsstr(start, delim);
+	else
+		delim_pos = start + wcslen(start);
 
-	return 0; /* not found */
+	/*
+	 * match text up to delimiter, or end of string (e.g. the '/' after
+	 * host is optional if not followed by a path)
+	 */
+	if (delim_pos)
+		len = delim_pos - start;
+	else
+		len = wcslen(start);
+
+	/* update ptarget if we either found a delimiter or need a match */
+	if (delim_pos || want)
+		*ptarget = delim_pos ? delim_pos + wcslen(delim) : start + len;
+
+	return !want || (!wcsncmp(want, start, len) && !want[len]);
 }
 
 static int match_cred(const CREDENTIALW *cred)
 {
-	return (!wusername || !wcscmp(wusername, cred->UserName)) &&
-	    match_attr(cred, L"git_protocol", protocol) &&
-	    match_attr(cred, L"git_host", host) &&
-	    match_attr(cred, L"git_path", path);
+	LPCWSTR target = cred->TargetName;
+	if (wusername && wcscmp(wusername, cred->UserName))
+		return 0;
+
+	return match_part(&target, L"git", L":") &&
+		match_part(&target, protocol, L"://") &&
+		match_part(&target, wusername, L"@") &&
+		match_part(&target, host, L"/") &&
+		match_part(&target, path, L"");
 }
 
 static void get_credential(void)
 {
-	WCHAR *user_buf, *pass_buf;
-	DWORD user_buf_size = 0, pass_buf_size = 0;
-	CREDENTIALW **creds, *cred = NULL;
+	CREDENTIALW **creds;
 	DWORD num_creds;
 	int i;
 
@@ -165,90 +163,36 @@ static void get_credential(void)
 	/* search for the first credential that matches username */
 	for (i = 0; i < num_creds; ++i)
 		if (match_cred(creds[i])) {
-			cred = creds[i];
+			write_item("username", creds[i]->UserName,
+				wcslen(creds[i]->UserName));
+			write_item("password",
+				(LPCWSTR)creds[i]->CredentialBlob,
+				creds[i]->CredentialBlobSize / sizeof(WCHAR));
 			break;
 		}
-	if (!cred)
-		return;
-
-	CredUnPackAuthenticationBufferW(0, cred->CredentialBlob,
-	    cred->CredentialBlobSize, NULL, &user_buf_size, NULL, NULL,
-	    NULL, &pass_buf_size);
-
-	user_buf = xmalloc(user_buf_size * sizeof(WCHAR));
-	pass_buf = xmalloc(pass_buf_size * sizeof(WCHAR));
-
-	if (!CredUnPackAuthenticationBufferW(0, cred->CredentialBlob,
-	    cred->CredentialBlobSize, user_buf, &user_buf_size, NULL, NULL,
-	    pass_buf, &pass_buf_size))
-		die("CredUnPackAuthenticationBuffer failed");
 
 	CredFree(creds);
-
-	/* zero-terminate (sizes include zero-termination) */
-	user_buf[user_buf_size - 1] = L'\0';
-	pass_buf[pass_buf_size - 1] = L'\0';
-
-	write_item("username", user_buf);
-	write_item("password", pass_buf);
-
-	free(user_buf);
-	free(pass_buf);
-}
-
-static void write_attr(CREDENTIAL_ATTRIBUTEW *attr, const WCHAR *keyword,
-    const char *value)
-{
-	attr->Keyword = (LPWSTR)keyword;
-	attr->Flags = 0;
-	attr->ValueSize = strlen(value) + 1; /* store zero-termination */
-	attr->Value = (LPBYTE)value;
 }
 
 static void store_credential(void)
 {
 	CREDENTIALW cred;
-	BYTE *auth_buf;
-	DWORD auth_buf_size = 0;
-	CREDENTIAL_ATTRIBUTEW attrs[CRED_MAX_ATTRIBUTES];
 
 	if (!wusername || !password)
 		return;
 
-	/* query buffer size */
-	CredPackAuthenticationBufferW(0, wusername, password,
-	    NULL, &auth_buf_size);
-
-	auth_buf = xmalloc(auth_buf_size);
-
-	if (!CredPackAuthenticationBufferW(0, wusername, password,
-	    auth_buf, &auth_buf_size))
-		die("CredPackAuthenticationBuffer failed");
-
 	cred.Flags = 0;
 	cred.Type = CRED_TYPE_GENERIC;
 	cred.TargetName = target;
 	cred.Comment = L"saved by git-credential-wincred";
-	cred.CredentialBlobSize = auth_buf_size;
-	cred.CredentialBlob = auth_buf;
+	cred.CredentialBlobSize = (wcslen(password)) * sizeof(WCHAR);
+	cred.CredentialBlob = (LPVOID)password;
 	cred.Persist = CRED_PERSIST_LOCAL_MACHINE;
-	cred.AttributeCount = 1;
-	cred.Attributes = attrs;
+	cred.AttributeCount = 0;
+	cred.Attributes = NULL;
 	cred.TargetAlias = NULL;
 	cred.UserName = wusername;
 
-	write_attr(attrs, L"git_protocol", protocol);
-
-	if (host) {
-		write_attr(attrs + cred.AttributeCount, L"git_host", host);
-		cred.AttributeCount++;
-	}
-
-	if (path) {
-		write_attr(attrs + cred.AttributeCount, L"git_path", path);
-		cred.AttributeCount++;
-	}
-
 	if (!CredWriteW(&cred, 0))
 		die("CredWrite failed");
 }
@@ -284,10 +228,13 @@ static void read_credential(void)
 
 	while (fgets(buf, sizeof(buf), stdin)) {
 		char *v;
+		int len = strlen(buf);
+		/* strip trailing CR / LF */
+		while (len && strchr("\r\n", buf[len - 1]))
+			buf[--len] = 0;
 
-		if (!strcmp(buf, "\n"))
+		if (!*buf)
 			break;
-		buf[strlen(buf)-1] = '\0';
 
 		v = strchr(buf, '=');
 		if (!v)
@@ -295,13 +242,12 @@ static void read_credential(void)
 		*v++ = '\0';
 
 		if (!strcmp(buf, "protocol"))
-			protocol = xstrdup(v);
+			protocol = utf8_to_utf16_dup(v);
 		else if (!strcmp(buf, "host"))
-			host = xstrdup(v);
+			host = utf8_to_utf16_dup(v);
 		else if (!strcmp(buf, "path"))
-			path = xstrdup(v);
+			path = utf8_to_utf16_dup(v);
 		else if (!strcmp(buf, "username")) {
-			username = xstrdup(v);
 			wusername = utf8_to_utf16_dup(v);
 		} else if (!strcmp(buf, "password"))
 			password = utf8_to_utf16_dup(v);
@@ -330,22 +276,20 @@ int main(int argc, char *argv[])
 		return 0;
 
 	/* prepare 'target', the unique key for the credential */
-	strncat(target_buf, "git:", sizeof(target_buf));
-	strncat(target_buf, protocol, sizeof(target_buf));
-	strncat(target_buf, "://", sizeof(target_buf));
-	if (username) {
-		strncat(target_buf, username, sizeof(target_buf));
-		strncat(target_buf, "@", sizeof(target_buf));
+	wcscpy(target, L"git:");
+	wcsncat(target, protocol, ARRAY_SIZE(target));
+	wcsncat(target, L"://", ARRAY_SIZE(target));
+	if (wusername) {
+		wcsncat(target, wusername, ARRAY_SIZE(target));
+		wcsncat(target, L"@", ARRAY_SIZE(target));
 	}
 	if (host)
-		strncat(target_buf, host, sizeof(target_buf));
+		wcsncat(target, host, ARRAY_SIZE(target));
 	if (path) {
-		strncat(target_buf, "/", sizeof(target_buf));
-		strncat(target_buf, path, sizeof(target_buf));
+		wcsncat(target, L"/", ARRAY_SIZE(target));
+		wcsncat(target, path, ARRAY_SIZE(target));
 	}
 
-	target = utf8_to_utf16_dup(target_buf);
-
 	if (!strcmp(argv[1], "get"))
 		get_credential();
 	else if (!strcmp(argv[1], "store"))