diff --git a/block/blk-mq.c b/block/blk-mq.c
index f57b86d6de6a..e02c4b1af8c5 100644
--- a/block/blk-mq.c
+++ b/block/blk-mq.c
@@ -2964,12 +2964,6 @@ void blk_mq_submit_bio(struct bio *bio)
 	blk_status_t ret;
 
 	bio = blk_queue_bounce(bio, q);
-	if (bio_may_exceed_limits(bio, &q->limits)) {
-		bio = __bio_split_to_limits(bio, &q->limits, &nr_segs);
-		if (!bio)
-			return;
-	}
-
 	bio_set_ioprio(bio);
 
 	if (plug) {
@@ -2978,6 +2972,11 @@ void blk_mq_submit_bio(struct bio *bio)
 			rq = NULL;
 	}
 	if (rq) {
+		if (unlikely(bio_may_exceed_limits(bio, &q->limits))) {
+			bio = __bio_split_to_limits(bio, &q->limits, &nr_segs);
+			if (!bio)
+				return;
+		}
 		if (!bio_integrity_prep(bio))
 			return;
 		if (blk_mq_attempt_bio_merge(q, bio, nr_segs))
@@ -2988,6 +2987,11 @@ void blk_mq_submit_bio(struct bio *bio)
 	} else {
 		if (unlikely(bio_queue_enter(bio)))
 			return;
+		if (unlikely(bio_may_exceed_limits(bio, &q->limits))) {
+			bio = __bio_split_to_limits(bio, &q->limits, &nr_segs);
+			if (!bio)
+				goto fail;
+		}
 		if (!bio_integrity_prep(bio))
 			goto fail;
 	}