8-K

=============================================================================


                                   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 (date of earliest event reported):     April 15, 2004


                   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                    333-104089                    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

April 15, 2004 is a Payment Date for each publicly-offered tranche of
Notes relating to the MBNASeries issued by MBNA Credit Card Master Note
Trust.  Copies of the MBNASeries Noteholders' Statement and the MBNASeries
Schedule, each for the month ended March 31, 2004, are included as Exhibits
to this Report under Exhibit 20.


Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS


The following are filed as Exhibits to this Report under Exhibit 20:


20.1  MBNASeries Noteholders' Statement for the month ended March 31,
2004.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the month
ended March 31, 2004.










                                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, 2004


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Marcie Copson-Hall
                                   ----------------------------------
                                    Name:   Marcie Copson-Hall
                                    Title:  Executive Vice President

EX-20

xhibit 20.1


MONTHLY SERIES CERTIFICATEHOLDERS' STATEMENT

SERIES 2001-D

MBNA AMERICA BANK, NATIONAL ASSOCIATION



MBNA MASTER CREDIT CARD TRUST II






MONTHLY PERIOD ENDING MARCH 31, 2004

___________________________________


The information which is required to be prepared with respect to the Transfer
Date of April 14, 2004 and with respect to the performance of the Issuer
during the related Monthly Period.

Capitalized terms used in this Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.

A.Information Regarding the Current Monthly Distribution
1. The amount of the current monthly
distribution which constitutes Available
Funds$487,548,307.33


2. The amount of the current monthly distribution
which constitutes Available Investor Principal
Collections      See Addendum to Exhibit B

B. Information Regarding the Performance of the Trust

1.Collection of Principal Receivables
(a)The aggregate amount of Collections of
Principal Receivables processed during the
related Monthly Period and allocated to
Series 2001-D$5,133,182,935.15

2.Collection of Finance Charge Receivables
(a)The aggregate amount of Collections of Finance
Charge Receivables processed during the
related Monthly Period and allocated to
Series 2001-D$450,273,862.72



3.Principal Receivables in the Trust
(a)The aggregate amount of Principal Receivables
in the Trust as of the end of the day on the
last day of the related Monthly
Period$71,181,341,455.84

(b)The amount of Principal Receivables in the
Trust represented by the Investor Interest
of Series 2001-D as of the end of the day on
the last day of the related Monthly
Period$34,679,195,000.00

(c) The Floating Allocation Investor
Interest as of the end of the day on the
last day of the related Monthly
Period$34,679,195,000.00

(d) The Principal Allocation Investor Interest
as of the end of the day on the last day
of the related Monthly
Period$34,679,195,000.00

(e) The Floating Investor Percentage with respect
to the related Monthly Period
March 1, 2004  through  March 15, 200446.82%
March 16, 2004  through  March 16, 200447.61%
March 17, 2004  through  March 31, 200448.56%

(f)The Principal Investor Percentage with respect to
the Monthly Period
March 1, 2004  through  March 15, 200446.82%
March 16, 2004  through  March 16, 200447.61%
March 17, 2004  through  March 31, 200448.56%





4.  Delinquent Balances




      The aggregate amount of outstanding balances in the
    Accounts which were delinquent as of the end of the
    day on the last day of the related Monthly Period:




Aggregate
Account
Balance
Percentage
of Total
Receivables







(a)
 30 -  59 days:
$1,105,195,925.11
1.52%


(b)
 60 -  89 days:
$786,276,769.74
1.08%


(c)
 90 - 119 days:
$661,704,552.40
0.91%


(d)
120 - 149 days:
$625,957,254.11
0.86%


(e)
150 - or more days:
$582,427,993.15
0.80%


Total:
$3,761,562,494.51
5.17%
5.Investor Default Amount
(a)The Aggregate Investor Default Amount for the
related Monthly Period$169,555,565.09
6.Investor Servicing Fee
(a)The amount of the Investor Servicing Fee  payable by
the Trust to the Servicer for the
related Monthly Period$57,035,217.47
(b)The amount of the Net Servicing Fee
payable by the Trust to the Servicer
for the related Monthly
Period$35,647,010.92
(c)The amount of the Servicer Interchange
payable by the Trust to the Servicer
for the related Monthly
Period$21,388,206.55


IN WITNESS WHEREOF, the undersigned has duly executed this certificate this
8th day of April, 2004.



MBNA AMERICA BANK,
NATIONAL ASSOCIATION,
Servi Marcie E. Copson-Hall
					  cer

  Name:  Marcie E. Copson-Hall
  Title: Executive Vice President


1

C-3

2001-D	A-1



C-1
2001-D
2001-D	A-1

EX-20

        EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING March 31, 2004

           Reference is made to the 2001-D Supplement (the "Series 2001-D" Supplement), dated as of May
        24, 2001, between MBNA America Bank, National Association, a national banking association (the
        "Bank"), as Seller and Servicer, and The Bank of New York, as Trustee, the Indenture (the
        "Indenture"), dated as of May 24, 2001 and the Indenture Supplement (the "Indenture Supplement"),
        dated as of May 24, 2001 , each between MBNA Credit Card Master Note Trust, as Issuer, and "The
        Bank of New York, as Indenture Trustee.  Terms used herein and not defined herein have the
        meanings ascribed to them in the 2001-D Supplement, the Indenture and the Indenture Supplement, as
        applicable.




           The following computations are prepared with respect to the Transfer Date of April 14, 2004 and
        with respect to the performance of the Trust during the related Monthly Period.



        A. Targeted deposits to Interest Funding sub-Accounts:


                         Targeted Deposit to     Actual Deposit to       Shortfall from     Interest Funding        Interest Funding
                          Interest Funding        Interest Funding      earlier Monthly    sub-account Balance     sub-Account
                          sub-Account              for sub-Account      Periods prior to   Withdrawals*   Earnings

                                applicable Monthly      applicable Monthly
                                Period                  Period


        Class A:
        Class A(2001-1)         $4,791,666.67           $4,791,666.67   $0.00           $4,791,666.67   $0.00
        Class A(2001-2)         $576,944.44             $576,944.44     $0.00           $576,944.44     $0.00
        Class A(2001-3)         $1,059,166.67           $1,059,166.67   $0.00           $3,109,166.67   $1,851.88
        Class A(2001-Emerald)   $4,546,835.88           $4,546,835.88   $0.00           $126,199,422.86 $80,203.82
        Class A(2001-4)         $1,050,555.56           $1,050,555.56   $0.00           $1,050,555.56   $0.00
        Class A(2001-5)         $559,722.22             $559,722.22     $0.00           $559,722.22     $0.00
        Class A(2002-1)         $4,125,000.00           $4,125,000.00   $0.00           $4,125,000.00   $0.00
        Class A(2002-2)         $849,609.92             $849,609.92     $0.00           $1,544,745.31   $627.53
        Class A(2002-3)         $858,958.33             $858,958.33     $0.00           $858,958.33     $0.00
        Class A(2002-4)         $1,033,333.33           $1,033,333.33   $0.00           $1,033,333.33   $0.00
        Class A(2002-5)         $820,208.33             $820,208.33     $0.00           $820,208.33     $0.00
        Class A(2002-6)         $2,437,500.00           $2,437,500.00   $0.00           $2,437,500.00   $0.00
        Class A(2002-7)         $597,387.86             $597,387.86     $0.00           $1,629,239.63   $931.81
        Class A(2002-8)         $437,444.44             $437,444.44     $0.00           $1,284,111.11   $764.77
        Class A(2002-9)         $729,361.11             $729,361.11     $0.00           $2,141,027.78   $1,274.92
        Class A(2002-10)        $1,059,166.67           $1,059,166.67   $0.00           $1,059,166.67   $0.00
        Class A(2002-11)        $644,781.28             $644,781.28     $0.00           $1,758,494.38   $1,005.85
        Class A(2002-12)        $1,485,416.67           $1,485,416.67   $0.00           $1,485,416.67   $0.00
        Class A(2002-13)        $525,277.78             $525,277.78     $0.00           $525,277.78     $0.00
        Class A(2003-1)         $1,375,000.00           $1,375,000.00   $0.00           $1,375,000.00   $0.00
        Class A(2003-2)         $981,666.67             $981,666.67     $0.00           $981,666.67     $0.00
        Class A(2003-3)         $781,458.33             $781,458.33     $0.00           $781,458.33     $0.00
        Class A(2003-4)         $846,041.67             $846,041.67     $0.00           $846,041.67     $0.00
        Class A(2003-5)         $714,327.45             $714,327.45     $0.00           $1,948,165.75   $1,114.20
        Class A(2003-6)         $1,145,833.33           $1,145,833.33   $0.00           $1,145,833.33   $0.00
        Class A(2003-7)         $1,435,416.67           $1,435,416.67   $0.00           $1,435,416.67   $0.00
        Class A(2003-8)         $826,666.67             $826,666.67     $0.00           $826,666.67     $0.00
        Class A(2003-9)         $1,103,083.33           $1,103,083.33   $0.00           $1,103,083.33   $0.00
        Class A(2003-10)        $581,250.00             $581,250.00     $0.00           $581,250.00     $0.00
        Class A(2003-11)        $1,520,833.33           $1,520,833.33   $0.00           $1,520,833.33   $0.00
        Class A(2003-12)        $516,666.67             $516,666.67     $0.00           $516,666.67     $0.00
        Class A(2004-2)         $930,000.00             $930,000.00     $0.00           $1,033,333.33   $93.00
        Class A(2004-1)         $1,351,516.18           $1,351,516.18   $0.00           $1,461,844.03   $99.32
        Class A(2004-3)         $761,250.00             $761,250.00     $0.00           $761,250.00     $0.00
        Class A Total:          $43,059,347.46          $43,059,347.46  $0.00           $173,308,467.52 $87,967.10
        Class B:
        Class B(2001-1)         $315,381.94             $315,381.94     $0.00           $315,381.94     $0.00
        Class B(2001-2)         $312,152.78             $312,152.78     $0.00           $312,152.78     $0.00
        Class B(2001-3)         $205,375.00             $205,375.00     $0.00           $205,375.00     $0.00
        Class B(2002-1)         $1,072,916.67           $1,072,916.67   $0.00           $1,072,916.67   $0.00
        Class B(2002-2)         $316,458.33             $316,458.33     $0.00           $316,458.33     $0.00
        Class B(2002-3)         $320,763.89             $320,763.89     $0.00           $320,763.89     $0.00
        Class B(2002-4)         $273,833.33             $273,833.33     $0.00           $273,833.33     $0.00
        Class B(2003-1)         $263,500.00             $263,500.00     $0.00           $263,500.00     $0.00
        Class B(2003-2)         $254,888.89             $254,888.89     $0.00           $254,888.89     $0.00
        Class B(2003-3)         $252,305.56             $252,305.56     $0.00           $252,305.56     $0.00
        Class B(2003-5)         $188,583.33             $188,583.33     $0.00           $188,583.33     $0.00
        Class B(2003-4)         $554,640.40             $554,640.40     $0.00           $554,640.40     $0.00
        Class B Total:          $4,330,800.12           $4,330,800.12   $0.00           $4,330,800.12   $0.00
        Class C:
        Class C(2001-1)         $460,694.44             $460,694.44     $0.00           $460,694.44     $0.00
        Class C(2001-2)         $192,888.89             $192,888.89     $0.00           $192,888.89     $0.00
        Class C(2001-3)         $2,183,333.33           $2,183,333.33   $0.00           $2,183,333.33   $0.00
        Class C(2001-4)         $460,694.44             $460,694.44     $0.00           $460,694.44     $0.00
        Class C(2001-5)         $298,375.00             $298,375.00     $0.00           $298,375.00     $0.00
        Class C(2002-1)         $1,416,666.67           $1,416,666.67   $0.00           $1,416,666.67   $0.00
        Class C(2002-2)         $175,666.67             $175,666.67     $0.00           $175,666.67     $0.00
        Class C(2002-3)         $420,222.22             $420,222.22     $0.00           $420,222.22     $0.00
        Class C(2002-4)         $197,194.44             $197,194.44     $0.00           $197,194.44     $0.00
        Class C(2002-5)         $337,500.00             $337,500.00     $0.00           $337,500.00     $0.00
        Class C(2002-6)         $133,041.67             $133,041.67     $0.00           $133,041.67     $0.00
        Class C(2002-7)         $279,166.67             $279,166.67     $0.00           $279,166.67     $0.00
        Class C(2003-1)         $480,500.00             $480,500.00     $0.00           $480,500.00     $0.00
        Class C(2003-2)         $231,638.89             $231,638.89     $0.00           $231,638.89     $0.00
        Class C(2003-3)         $367,694.44             $367,694.44     $0.00           $367,694.44     $0.00
        Class C(2003-4)         $903,822.66             $903,822.66     $0.00           $1,643,313.93   $668.16
        Class C(2003-5)         $195,472.22             $195,472.22     $0.00           $195,472.22     $0.00
        Class C(2003-6)         $488,680.56             $488,680.56     $0.00           $488,680.56     $0.00
        Class C(2003-7)         $210,111.11             $210,111.11     $0.00           $210,111.11     $0.00
        Class C(2004-1)         $311,666.67             $311,666.67     $0.00           $311,666.67     $0.00
        Class C Total:          $9,745,030.99           $9,745,030.99   $0.00           $10,484,522.26  $668.16
                Total:          $57,135,178.57          $57,135,178.57  $0.00           $188,123,789.90 $88,635.26

        *  The Interest Funding Account Balance for Class A(2001-Emerald) reflects activity as of the end of the Monthly Period.



        B.

                                                                                     Amount of interest to be
                                                                                        paid on corresponding
                                                                                        Interest Payment Date
                                CUSIP
                                Interest Payment Date           Interest Rate
                                Number

        Class A
        Class A(2001-1)         55264TAC5       April 15, 2004  5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       April 15, 2004  1.3400000%      $576,944.44
        Class A(2001-3)         55264TAG6       April 15, 2004  1.2300000%      $3,109,166.67
        Class A(2001-4)         55264TAL5       April 15, 2004  1.2200000%      $1,050,555.56
        Class A(2001-5)         55264TAM3       April 15, 2004  1.3000000%      $559,722.22
        Class A(2002-1)         55264TAQ4       April 15, 2004  4.9500000%      $4,125,000.00
        Class A(2002-3)         55264TAT8       April 15, 2004  1.3300000%      $858,958.33
        Class A(2002-4)         55264TAU5       April 15, 2004  1.2000000%      $1,033,333.33
        Class A(2002-5)         55264TAV3       April 15, 2004  1.2700000%      $820,208.33
        Class A(2002-6)         55264TAZ4       April 15, 2004  3.9000000%      $2,437,500.00
        Class A(2002-7)         015111453       April 15, 2004  1.3106000%      $1,629,239.63
        Class A(2002-8)         55264TBA8       April 15, 2004  1.2700000%      $1,284,111.11
        Class A(2002-9)         55264TBB6       April 15, 2004  1.2100000%      $2,141,027.78
        Class A(2002-10)        55264TBF7       April 15, 2004  1.2300000%      $1,059,166.67
        Class A(2002-11)        015665394       April 15, 2004  1.4337500%      $1,758,494.38
        Class A(2002-12)        55264TBK6       April 15, 2004  1.1500000%      $1,485,416.67
        Class A(2002-13)        55264TBL4       April 15, 2004  1.2200000%      $525,277.78
        Class A(2003-1)         55264TBQ3       April 15, 2004  3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       April 15, 2004  1.1400000%      $981,666.67
        Class A(2003-3)         55264TBS9       April 15, 2004  1.2100000%      $781,458.33
        Class A(2003-4)         55264TBT7       April 15, 2004  1.3100000%      $846,041.67
        Class A(2003-5)         016803677       April 15, 2004  1.4215000%      $1,948,165.75
        Class A(2003-6)         55264TBV2       April 15, 2004  2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       April 15, 2004  2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       April 15, 2004  1.2800000%      $826,666.67
        Class A(2003-9)         55264TCC3       April 15, 2004  1.2200000%      $1,103,083.33
        Class A(2003-10)        55264TCF6       April 15, 2004  1.3500000%      $581,250.00
        Class A(2003-11)        55264TCH2       April 15, 2004  3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       April 15, 2004  1.2000000%      $516,666.67
        Class A(2004-2)         55264TCK5       April 15, 2004  1.2400000%      $1,033,333.33
        Class A(2004-1)         01890514        April 15, 2004  1.3190800%      $1,461,844.03
        Class A(2004-3)         55264TCL3       April 15, 2004  1.3500000%      $761,250.00
        Total Class A                                                           $45,564,299.35
        Class B
        Class B(2001-1)         55264TAA9       April 15, 2004  1.4650000%      $315,381.94
        Class B(2001-2)         55264TAJ0       April 15, 2004  1.4500000%      $312,152.78
        Class B(2001-3)         55264TAP6       April 15, 2004  1.5900000%      $205,375.00
        Class B(2002-1)         55264TAR2       April 15, 2004  5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       April 15, 2004  1.4700000%      $316,458.33
        Class B(2002-3)         55264TBC4       April 15, 2004  1.4900000%      $320,763.89
        Class B(2002-4)         55264TBG5       April 15, 2004  1.5900000%      $273,833.33
        Class B(2003-1)         55264TBP5       April 15, 2004  1.5300000%      $263,500.00
        Class B(2003-2)         55264TBW0       April 15, 2004  1.4800000%      $254,888.89
        Class B(2003-3)         55264TCB5       April 15, 2004  1.4650000%      $252,305.56
        Class B(2003-5)         55264TCE9       April 15, 2004  1.4600000%      $188,583.33
        Total Class B                                                           $3,776,159.72
        Class C
        Class C(2001-1)         55264TAB7       April 15, 2004  2.1400000%      $460,694.44
        Class C(2001-2)         55264TAD3       April 15, 2004  2.2400000%      $192,888.89
        Class C(2001-3)         55264TAF8       April 15, 2004  6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       April 15, 2004  2.1400000%      $460,694.44
        Class C(2001-5)         55264TAN1       April 15, 2004  2.3100000%      $298,375.00
        Class C(2002-1)         55264TAS0       April 15, 2004  6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       April 15, 2004  2.0400000%      $175,666.67
        Class C(2002-3)         55264TAY7       April 15, 2004  2.4400000%      $420,222.22
        Class C(2002-4)         55264TBD2       April 15, 2004  2.2900000%      $197,194.44
        Class C(2002-5)         55264TBE0       April 15, 2004  4.0500000%      $337,500.00
        Class C(2002-6)         55264TBH3       April 15, 2004  3.0900000%      $133,041.67
        Class C(2002-7)         55264TBJ9       April 15, 2004  6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       April 15, 2004  2.7900000%      $480,500.00
        Class C(2003-2)         55264TBN0       April 15, 2004  2.6900000%      $231,638.89
        Class C(2003-3)         55264TBU4       April 15, 2004  2.4400000%      $367,694.44
        Class C(2003-5)         55264TBX8       April 15, 2004  2.2700000%      $195,472.22
        Class C(2003-6)         55264TBZ3       April 15, 2004  2.2700000%      $488,680.56
        Class C(2003-7)         55264TCG4       April 15, 2004  2.4400000%      $210,111.11
        Class C(2004-1)         55264TCM1       April 15, 2004  1.8700000%      $311,666.67
        Total Class C                                                           $8,841,208.33


        *  For Interest Payment information on the Emerald Note program, refer to Exhibit B to the Class A(2001-Emerald) Terms Document.



      C. Targeted deposits to Class C Reserve sub-Accounts:
        Targeted Deposit to     Actual Deposit to       Class C Reserve         Class C Reserve
        Class C Reserve         Class C Reserve         sub-Account Balance on  sub-Account
        sub-Account for         sub-Account for         Transfer Date prior to  Earnings
        applicable Monthly      applicable              withdrawals
        Period                  Monthly Period


        NOTHING TO REPORT



   D. Withdrawals to be made from the C Reserve sub-Accounts on the corresponding Transfer Date:

        Withdrawals for Withdrawals for Class C Reserve
        Interest
        Principal
        sub-Account Balance on
        Transfer Date after
        withdrawals



        NOTHING TO REPORT


       E. Targeted deposits to Principal Funding sub-Accounts:

         Targeted Deposit to    Actual Deposit to       Shortfall from          Principal Funding       Principal Funding
        Principal Funding       Principal Funding       earlier Monthly         sub-Account             sub-Account
        sub-Account             for sub-Account         Periods                 Balance on              Earnings
        applicable Monthly      applicable Monthly                              Transfer Date
        Period                  Period



        NOTHING TO REPORT





         F. Principal to be paid on the corresponding Principal Payment Date:

        CUSIP Number    Principal       Amount of principal
                        Payment Date
                        to be paid on
                                        corresponding
                                        Principal Payment
                                        Date




        NOTHING TO REPORT




          G.      Stated Principal Amount, Outstanding Dollar Principal Amount and Nominal Liquidation Amount for the related Monthly Period (as of
        the end of the prior Monthly Period):

                                Initial Dollar          Outstanding     Adjusted Outstanding    Nominal Liquidation
                                Principal  Amount
                                Principal
                                Principal Amount
                                Amount

        Class A
        Class A(2001-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-Emerald)   $4,500,000,000.00       $4,500,000,000.00       $4,500,000,000.00       $4,500,000,000.00
        Class A(2001-4)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-5)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $656,175,000.00         $656,175,000.00         $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-6)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $497,250,000.00         $497,250,000.00         $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $490,600,000.00         $490,600,000.00         $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00
        Class A(2002-13)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $548,200,000.00         $548,200,000.00         $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $650,000,000.00         $650,000,000.00         $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $752,760,000.00         $752,760,000.00         $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Total Class A:          $28,544,985,000.00      $28,544,985,000.00      $28,544,985,000.00      $28,544,985,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-3)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $331,650,000.00         $331,650,000.00         $331,650,000.00
        Total Class B:          $2,681,650,000.00       $2,681,650,000.00       $2,681,650,000.00       $2,681,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $175,000,000.00         $175,000,000.00         $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $327,560,000.00         $327,560,000.00         $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Total Class C:          $3,452,560,000.00       $3,452,560,000.00       $3,452,560,000.00       $3,452,560,000.00
        Total:                  $34,679,195,000.00      $34,679,195,000.00      $34,679,195,000.00      $34,679,195,000.00


               H. Class A Usage of Class B and Class C Subordinated Amounts:

        Class A Usage of Class          Class A Usage of Class C                Cumulative Class A      Cumulative Class A
        B Subordinated Amount           Subordinated Amount for                 Usage of  Class B        Usage of Class C
        for this Monthly Period         this Monthly Period                     Subordinated Amount



        NOTHING TO REPORT



     I. Class B Usage of Class C Subordinated Amounts:
        Class B Usage of Class C        Cumulative Class B Usage
        Subordinated Amount for         of Class C Subordinated
        this Monthly Period             Amount



        NOTHING TO REPORT


        J. Nominal Liquidation Amount for Tranches of Notes Outstanding during related Monthly Period:


                 Beginning Nominal       Increases from  Increases from  Reimbursements  Reductions due to       Reductions due to       Reductions due to       Ending Nominal
                Liquidation Amount *    accretions on   amounts withdrawn               from Available           reallocations of        Investor               amounts on deposit
                Liquidation
                                        Principal for   from the Princial Funds         Available Principal     Charge-Offs             in the Principal        Amount
                                        Discount Notes  Funding sub-Account             Amounts Funding
                                                        in respect of                   sub-Account
                                                        Prefunding Excess
                                                        Amount




        Class A
        Class A(2001-1)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-Emerald)   $4,500,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $4,500,000,000.00
        Class A(2001-4)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-5)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-6)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,500,000,000.00
        Class A(2002-13)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $700,000,000.00
                                $28,544,985,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $28,544,985,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-3)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $331,650,000.00
                                $2,681,650,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $2,681,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-5)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
                                $3,452,560,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,452,560,000.00
         Total:                 $34,679,195,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $34,679,195,000.00

        *  The Beginning Nominal Liquidation Amount for Class A(2001-Emerald) is reported as of the end of the Monthly Period.



        K. Excess Available Funds and 3 Month Excess Available Funds:
        Excess Available Funds  238,763,090.79

     Is 3 Month Excess Available Funds less than 0 ? (Yes/No)        NO





           IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Monthly Note

        MBNA AMERICA BANK,

        NATIONAL ASSOCIATION,

         as Beneficiary of the MBNA Credit   Card
        Master Note Trust

         and
         as Servicer of the MBNA Master   Credit
        Card Trust II

Name: Marcie E. Copson-Hall Title: Executive Vice President C-1 MBNAseries