8-K

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                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     April 15, 2003


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                      MBNA MASTER CREDIT CARD TRUST II
(Issuer of the Collateral Certificate)
AND THE
MBNA CREDIT CARD MASTER NOTE TRUST
(Issuer of the MBNASeries Class A, Class B, and Class C notes)
            (Exact name of registrant as specified in its charter)



  United States                    333-59424                    51-0331454
- -----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)


                              Wilmington, DE 19884-0781
- -----------------------------------------------------------------------------
- -
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------



ITEM 5.  OTHER EVENTS


On April 2, 2003 the Series 2001-D Supplement, dated as of May 24, 2001, to
the Pooling and Servicing Agreement for the MBNA Master Credit Card Trust II,
dated as of August 4, 1994, between MBNA America Bank, National Association,
as Seller and Servicer and The Bank of New York, as Trustee, was amended by
the Second Amendment to Series 2001-D Supplement, dated as of April 2, 2003.




Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 4:

4.1 The Second Amendment to Series 2001-D Supplement, dated as of April 2,
2003 between MBNA America Bank, National Association, as Seller and
Servicer, and The Bank of new York, as Trustee.











                                SIGNATURES



      Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


Dated:     April 15, 2003


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Christopher Harris
                                   ----------------------------------
                                    Name:   Christopher Harris
                                    Title:  First Vice President

EX-4

Exhibit 4.2

MBNA MASTER CREDIT CARD TRUST II

SECOND AMENDMENT TO
SERIES 2001-D SUPPLEMENT


		THIS SECOND AMENDMENT TO SERIES 2001-D SUPPLEMENT, dated as
of April 2, 2003 (the "Amendment") is by and between MBNA AMERICA BANK,
NATIONAL ASSOCIATION, as Seller and Servicer, and THE BANK OF NEW YORK,
as Trustee.

		WHEREAS the Seller and Servicer and the Trustee have
executed that certain Pooling and Servicing Agreement, dated as of
August 4, 1994 (as amended and supplemented through the date hereof and
as the same may be further amended, supplemented or otherwise modified
and in effect from time to time, the "Pooling and Servicing
Agreement");

		WHEREAS the Seller and Servicer and the Trustee have
executed that certain Series 2001-D Supplement dated as of May 24, 2001
(the "Supplement");

		WHEREAS the Seller and Servicer and the Trustee wish to
amend the Supplement as provided herein;

		NOW THEREFORE, in consideration of the promises and the
agreements contained herein, the parties hereto agree to amend the
provisions of the Supplement as follows:

SECTION 1.	Amendment to Section 2.  Section 2 shall be and
hereby is amended by:
(a)	deleting the definition of "Investor Default Target
Deposit Amount" in its entirety;

(b)	adding the following definitions to such Section in
alphabetical order:

"Monthly Interest Proxy Amount" shall mean, with
respect to any Monthly Period, as determined on any date of
determination, an amount equal to the sum of (a) the product of
(i) the aggregate amount targeted to be deposited into the
Interest Funding Account (for the avoidance of doubt, such amount
shall include any interest, specified deposits, payments to
derivative counterparties, program fees, liquidity fees or other
amounts targeted to be deposited into the Interest Funding
Account pursuant to the Indenture) for all outstanding tranches
of Notes on the Transfer Date occurring in such Monthly Period
and (ii) 1.50 and (b) following any increase in the Floating
Allocation Investor Interest during such Monthly Period, the
aggregate amount targeted to be deposited into the Interest
Funding Account on the following Transfer Date which relates to
such increase.

"Monthly Servicing Fee Proxy Amount" shall mean, with
respect to any Monthly Period, as determined on any date of
determination, an amount equal to the Net Servicing Fee
calculated for the preceding Monthly Period.

"Netting Conditions" shall mean each of the following
conditions: (i) a Pay Out Event with respect to Series 2001-D
shall not have occurred and be continuing, (ii) an Early
Redemption Event as described in Section 4.01 of the MBNAseries
Indenture Supplement with respect to the Notes or similar early
redemption event relating to excess spread amounts or portfolio
yield as described in the Indenture Supplement for any other
outstanding series of Notes shall not have occurred and be
continuing, (iii) an Event of Default and acceleration as
described in Section 701(a) or (b) of the Indenture shall not
have occurred and be continuing, and (iv) the Servicer shall have
a long-term unsecured debt rating of not lower than investment
grade provided by Standard & Poor's and Fitch; provided, that the
Netting Condition in this clause (iv) will be deemed to be
satisfied unless it is not satisfied for a period of five
Business Days and such condition has not been waived in writing
by each applicable Rating Agency or cured.

"Subordinated Principal Target Deposit Amount" shall
mean, for any date of determination during any Monthly Period, an
amount equal to the excess, if any, of (a) the sum of (i) the
Monthly Interest Proxy Amount for such Monthly Period, plus (ii)
if the Seller or The Bank of New York is not the Servicer, the
Monthly Servicing Fee Proxy Amount for such Monthly Period, over
(b) the aggregate amount of Collections of Finance Charge
Receivables allocated to the Series 2001-D Certificateholders for
the preceding Monthly Period (unless the Servicer has reason to
expect that Collections of Finance Charge Receivables allocated
to the Investor Certificateholders for the current Monthly Period
will be materially less, in which case, the amount calculated
pursuant to clause (b) shall be such lesser amount).

SECTION 2.	Amendment to Section 4.05.  (a)  Subsection
4.05(a)(i) of the Supplement shall be and hereby is amended by deleting
such Subsection in its entirety and inserting the following language in
its place:

	(i)	Allocate to the Series 2001-D
Certificateholders and deposit in the Finance Charge
Account an amount equal to the product of (y) the Floating
Investor Percentage on the Date of Processing of such
Collections and (z) the aggregate amount of Collections of
Finance Charge Receivables on such Date of Processing.
Funds deposited into the Finance Charge Account pursuant to
this subsection 4.05(a)(i) shall be applied in accordance
with Section 4.06.

		(b)	Subsection 4.05(a)(ii)(B)(1) of the Supplement shall
be and hereby is amended by deleting such Subsection in its entirety
and inserting the following language in its place:

	(1)	on each such Date of Processing, an amount
equal to the lesser of (x) the Subordinated Note Percentage
of the Collections in respect of Principal Receivables
allocated to the Series 2001-D Certificateholders pursuant
to this subsection 4.05(a)(ii) and (y) so long as the
Netting Conditions are satisfied, the Subordinated
Principal Target Deposit Amount; provided, however, that if
the Netting Conditions are not satisfied, an amount equal
to subsection 4.05(a)(ii)(B)(1)(x).

SECTION 3.	Effectiveness.  The amendments provided for by
this Amendment shall become effective upon receipt by the Trustee of
the following:

(a)	Evidence of satisfaction of the Rating Agency
Condition.

(b)	Confirmation from the Seller and Servicer that it has
received a copy of the written notification referred to in subsection
3(a) above and that such written notification is satisfactory to the
Seller and Servicer in its sole discretion.

(c)	An Opinion of Counsel for the Seller addressed to the
Trustee to the effect that the terms of this Amendment will not
adversely affect in any material respect the interests of any Investor
Certificateholder.

(d)	Counterparts of this Amendment, duly executed by the
parties hereto.

SECTION 4.	Supplement in Full Force and Effect as Amended.
Except as specifically amended or waived hereby, all of the terms and
conditions of the Supplement shall remain in full force and effect.
All references to the Supplement in any other document or instrument
shall be deemed to mean such Supplement as amended by this Amendment.
This Amendment shall not constitute a novation of the Supplement, but
shall constitute an amendment thereof.  The parties hereto agree to be
bound by the terms and obligations of the Supplement, as amended by
this Amendment, as though the terms and obligations of the Supplement
were set forth herein.

SECTION 5.	Counterparts.  This Amendment may be executed
in any number of counterparts and by separate parties hereto on
separate counterparts, each of which when executed shall be deemed an
original, but all such counterparts taken together shall constitute one
and the same instrument.

SECTION 6.	Governing Law.  THIS AMENDMENT SHALL BE
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT
REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS,
RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN
ACCORDANCE WITH SUCH LAWS.

SECTION 7.	Defined Terms and Section References.
Capitalized terms used herein and not otherwise defined shall have the
meanings assigned to such terms in the Supplement, or if not therein,
then in the Pooling and Servicing Agreement . All Section or subsection
references herein shall mean Sections or subsections of the Supplement,
except as otherwise provided herein.

		IN WITNESS WHEREOF, the Seller, the Servicer and the
Trustee have caused this Amendment to be duly executed by their
respective officers as of the day and year first above written.

						MBNA AMERICA BANK,
						  NATIONAL ASSOCIATION,
						  Seller and Servicer

						By:_/s/ Christopher A.
Halmy__________
	   Name:	Christopher A. Halmy
	   Title:	First Vice President


						THE BANK OF NEW YORK,
						  Trustee


						By:_/s/ Jonathan Farber
_______________
	   					   Name: Jonathan Farber
						   Title: Assistant Treasurer

(..continued)