root@xxxehpvld05 ~ $ mount.cifs -vv //zhp-nas.xxx.com/perspectives /mnt/secure/cifs -o credentials=/etc/cifs.creds
mount error(13): Permission denied
Refer to the mount.cifs(8) manual page (e.g. man mount.cifs)
root@xxxehpvld05 ~ $ dmesg | tail
CIFS VFS: cifs_mount failed w/return code = -13
Status code returned 0xc000006a NT_STATUS_WRONG_PASSWORD
CIFS VFS: Send error in SessSetup = -13
CIFS VFS: cifs_mount failed w/return code = -13
Status code returned 0xc000006a NT_STATUS_WRONG_PASSWORD
CIFS VFS: Send error in SessSetup = -13
CIFS VFS: cifs_mount failed w/return code = -13
Status code returned 0xc000006a NT_STATUS_WRONG_PASSWORD
CIFS VFS: Send error in SessSetup = -13
CIFS VFS: cifs_mount failed w/return code = -13

root@xxxehpvld05 ~ $ smbclient -L //zhp-nas.xxx.com/perspectives -A /etc/cifs.creds
Domain=[XXX] OS=[Windows 5.0] Server=[Windows 2000 LAN Manager]

        Sharename       Type      Comment
        ---------       ----      -------
        IPC$            IPC       Remote IPC
        ZHPSubmit-dev   Disk
    [...snip...]

-A|--authentication-file=filename
       This option allows you to specify a file from which to read the
       username and password used in the connection. The format of the file is

           username = <value>
           password = <value>
           domain   = <value>

       Make certain that the permissions on the file restrict access from
       unwanted users.

credentials=filename
       specifies a file that contains a username and/or password and
       optionally the name of the workgroup. The format of the file is:

          username=value
          password=value
          domain=value

mount.cifs -vvv //host/path /local/path -o credentials=/path/creds

# mount.cifs -vvv //host/path /local/path -o credentials=/path/creds.spacy
mount error(13): Permission denied
Refer to the mount.cifs(8) manual page (e.g. man mount.cifs)

auto,rw,credentials=/usr/local/etc/smb.credentials,vers=3.0,file_mode=0664,dir_mode=0775,uid=myuser,gid=users

username=myuser
password=****
domain=mydomain