8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20529

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 OR 15(d) of
The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) December 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 jurisdiction of
incorporation)

(Commission File Number)

(IRS Employer
Identification No.)

Wilmington, DE

19884
(Address of principal executive office)

(Zip Code)

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

                        N/A
(Former name or address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of
the following provisions (see General Instruction A.2. below):

[  ] Written communication pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act (17 CFR
240.14d-2(b))
[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act (17 CFR
240.13e-4(c))





Section 8 - Other Events.

ITEM 8.01.              Other Events.

December 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 November 30, 2004, are included as Exhibits to this
Report under Exhibit 20.


Section 9 - Financial Statements and Exhibits

ITEM 9.01 (c). Exhibits.

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

20.1  MBNASeries Noteholders' Statement for the month ended November 30, 2004.

20.2 MBNASeries Schedule to the Noteholders' Statement for the month ended
     November 30, 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:     December 15, 2004


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                               as Servicer



                               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 NOVEMBER 30, 2004

___________________________________


The information which is required to be prepared with respect to the
Transfer Date of December 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$588,773,341.50


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$6,144,572,286.50

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$533,595,732.08



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$69,885,195,369.68

(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$40,242,415,000.00

(c) The Floating Allocation Investor
Interest as of the end of the day on the
last day of the related Monthly
Period$40,242,415,000.00

(d) The Principal Allocation Investor Interest
as of the end of the day on the last day
of the related Monthly
Period$40,242,415,000.00

(e) The Floating Investor Percentage with respect
to the related Monthly Period
November 1, 2004  through  November 30, 200457.08%

(f)The Principal Investor Percentage with respect to
the Monthly Period
November 1, 2004  through  November 30, 200457.08%





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:
$1,157,559,733.12
1.62%


(b)
 60 -  89 days:
$782,987,830.15
1.10%


(c)
 90 - 119 days:
$598,943,193.20
0.84%


(d)
120 - 149 days:
$546,941,258.07
0.77%


(e)
150 - or more days:
$535,550,468.76
0.75%


Total:
$3,621,982,483.30
5.08%
5.Investor Default Amount
(a)The Aggregate Investor Default Amount for the
related Monthly Period$178,558,409.31
6.Investor Servicing Fee
(a)The amount of the Investor Servicing Fee  payable by
the Trust to the Servicer for the
related Monthly Period$67,070,691.67
(b)The amount of the Net Servicing Fee
payable by the Trust to the Servicer
for the related Monthly
Period$41,919,182.29
(c)The amount of the Servicer Interchange
payable by the Trust to the Servicer
for the related Monthly
Period$25,151,509.38


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



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

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 November 30, 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 December 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)         $975,000.00             $975,000.00     $0.00   $975,000.00     $0.00
        Class A(2001-3)         $1,816,666.67           $1,816,666.67   $0.00   $3,693,888.89   $3,342.23
        Class A(2001-Emerald)   $8,522,022.70           $8,522,022.70   $0.00   $127,202,576.92 $152,133.92
        Class A(2001-5)         $958,333.33             $958,333.33     $0.00   $958,333.33     $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)         $1,417,611.41           $1,417,611.41   $0.00   $1,417,611.41   $0.00
        Class A(2002-3)         $1,456,250.00           $1,456,250.00   $0.00   $1,456,250.00   $0.00
        Class A(2002-4)         $1,833,333.33           $1,833,333.33   $0.00   $1,833,333.33   $0.00
        Class A(2002-5)         $1,418,750.00           $1,418,750.00   $0.00   $1,418,750.00   $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)         $936,736.13             $936,736.13     $0.00   $1,842,247.72   $1,612.45
        Class A(2002-8)         $740,000.00             $740,000.00     $0.00   $1,504,666.67   $1,361.78
        Class A(2002-9)         $1,260,000.00           $1,260,000.00   $0.00   $2,562,000.00   $2,318.22
        Class A(2002-10)        $1,858,333.33           $1,858,333.33   $0.00   $1,858,333.33   $0.00
        Class A(2002-11)        $974,556.46             $974,556.46     $0.00   $1,916,627.70   $1,676.45
        Class A(2002-12)        $2,687,500.00           $2,687,500.00   $0.00   $2,687,500.00   $0.00
        Class A(2002-13)        $925,000.00             $925,000.00     $0.00   $925,000.00     $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)         $1,783,333.33           $1,783,333.33   $0.00   $1,783,333.33   $0.00
        Class A(2003-3)         $1,381,250.00           $1,381,250.00   $0.00   $1,381,250.00   $0.00
        Class A(2003-4)         $1,443,750.00           $1,443,750.00   $0.00   $1,443,750.00   $0.00
        Class A(2003-5)         $1,083,380.25           $1,083,380.25   $0.00   $2,130,647.83   $1,864.89
        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)         $1,425,000.00           $1,425,000.00   $0.00   $1,425,000.00   $0.00
        Class A(2003-9)         $1,942,500.00           $1,942,500.00   $0.00   $1,942,500.00   $0.00
        Class A(2003-10)        $979,166.67             $979,166.67     $0.00   $979,166.67     $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)        $916,666.67             $916,666.67     $0.00   $916,666.67     $0.00
        Class A(2004-2)         $1,120,000.00           $1,120,000.00   $0.00   $1,120,000.00   $0.00
        Class A(2004-1)         $1,432,502.28           $1,432,502.28   $0.00   $2,817,254.48   $2,459.61
        Class A(2004-3)         $1,370,833.33           $1,370,833.33   $0.00   $1,370,833.33   $0.00
        Class A(2004-4)         $3,037,500.00           $3,037,500.00   $0.00   $3,037,500.00   $0.00
        Class A(2004-5)         $2,092,874.96           $2,092,874.96   $0.00   $2,092,874.96   $0.00
        Class A(2004-6)         $929,166.67             $929,166.67     $0.00   $929,166.67     $0.00
        Class A(2004-7)         $1,642,500.00           $1,642,500.00   $0.00   $1,642,500.00   $0.00
        Class A(2004-8)         $933,333.33             $933,333.33     $0.00   $933,333.33     $0.00
        Class A(2004-9)         $1,269,688.93           $1,269,688.93   $0.00   $1,269,688.93   $0.00
        Class A(2004-10)        $1,299,131.94           $1,299,131.94   $0.00   $1,440,190.97   $0.00
        Class A Total:          $70,693,921.72          $70,693,921.72  $0.00   $197,739,026.47 $166,769.55
        Class B:
        Class B(2001-1)         $513,541.67             $513,541.67     $0.00   $513,541.67     $0.00
        Class B(2001-2)         $510,416.67             $510,416.67     $0.00   $510,416.67     $0.00
        Class B(2001-3)         $323,750.00             $323,750.00     $0.00   $323,750.00     $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)         $514,583.33             $514,583.33     $0.00   $514,583.33     $0.00
        Class B(2002-3)         $518,750.00             $518,750.00     $0.00   $518,750.00     $0.00
        Class B(2002-4)         $431,666.67             $431,666.67     $0.00   $431,666.67     $0.00
        Class B(2003-1)         $421,666.67             $421,666.67     $0.00   $421,666.67     $0.00
        Class B(2003-2)         $413,333.33             $413,333.33     $0.00   $413,333.33     $0.00
        Class B(2003-3)         $410,833.33             $410,833.33     $0.00   $410,833.33     $0.00
        Class B(2003-5)         $307,500.00             $307,500.00     $0.00   $307,500.00     $0.00
        Class B(2003-4)         $719,274.23             $719,274.23     $0.00   $2,181,798.49   $2,604.45
        Class B(2004-1)         $1,297,916.67           $1,297,916.67   $0.00   $1,297,916.67   $0.00
        Class B(2004-2)         $310,000.00             $310,000.00     $0.00   $310,000.00     $0.00
        Class B Total:          $7,766,149.24           $7,766,149.24   $0.00   $9,228,673.50   $2,604.45
        Class C:
        Class C(2001-1)         $654,166.67             $654,166.67     $0.00   $654,166.67     $0.00
        Class C(2001-2)         $270,000.00             $270,000.00     $0.00   $270,000.00     $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)         $654,166.67             $654,166.67     $0.00   $654,166.67     $0.00
        Class C(2001-5)         $413,750.00             $413,750.00     $0.00   $413,750.00     $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)         $253,333.33             $253,333.33     $0.00   $253,333.33     $0.00
        Class C(2002-3)         $573,333.33             $573,333.33     $0.00   $573,333.33     $0.00
        Class C(2002-4)         $274,166.67             $274,166.67     $0.00   $274,166.67     $0.00
        Class C(2002-5)         $337,500.00             $337,500.00     $0.00   $337,500.00     $0.00
        Class C(2002-6)         $170,416.67             $170,416.67     $0.00   $170,416.67     $0.00
        Class C(2002-7)         $279,166.67             $279,166.67     $0.00   $279,166.67     $0.00
        Class C(2003-1)         $631,666.67             $631,666.67     $0.00   $631,666.67     $0.00
        Class C(2003-2)         $307,500.00             $307,500.00     $0.00   $307,500.00     $0.00
        Class C(2003-3)         $501,666.67             $501,666.67     $0.00   $501,666.67     $0.00
        Class C(2003-4)         $1,143,757.63           $1,143,757.63   $0.00   $1,143,757.63   $0.00
        Class C(2003-5)         $272,500.00             $272,500.00     $0.00   $272,500.00     $0.00
        Class C(2003-6)         $681,250.00             $681,250.00     $0.00   $681,250.00     $0.00
        Class C(2003-7)         $286,666.67             $286,666.67     $0.00   $286,666.67     $0.00
        Class C(2004-1)         $478,333.33             $478,333.33     $0.00   $478,333.33     $0.00
        Class C(2004-2)         $685,208.33             $685,208.33     $0.00   $685,208.33     $0.00
        Class C Total:          $12,468,549.31          $12,468,549.31  $0.00   $12,468,549.31  $0.00
        Total:                  $90,928,620.27          $90,928,620.27  $0.00   $219,436,249.28 $169,374.00

        *  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       December 15, 2004       5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       December 15, 2004       2.3400000%      $975,000.00
        Class A(2001-5)         55264TAM3       December 15, 2004       2.3000000%      $958,333.33
        Class A(2002-1)         55264TAQ4       December 15, 2004       4.9500000%      $4,125,000.00
        Class A(2002-3)         55264TAT8       December 15, 2004       2.3300000%      $1,456,250.00
        Class A(2002-4)         55264TAU5       December 15, 2004       2.2000000%      $1,833,333.33
        Class A(2002-5)         55264TAV3       December 15, 2004       2.2700000%      $1,418,750.00
        Class A(2002-6)         55264TAZ4       December 15, 2004       3.9000000%      $2,437,500.00
        Class A(2002-10)        55264TBF7       December 15, 2004       2.2300000%      $1,858,333.33
        Class A(2002-12)        55264TBK6       December 15, 2004       2.1500000%      $2,687,500.00
        Class A(2002-13)        55264TBL4       December 15, 2004       2.2200000%      $925,000.00
        Class A(2003-1)         55264TBQ3       December 15, 2004       3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       December 15, 2004       2.1400000%      $1,783,333.33
        Class A(2003-3)         55264TBS9       December 15, 2004       2.2100000%      $1,381,250.00
        Class A(2003-4)         55264TBT7       December 15, 2004       2.3100000%      $1,443,750.00
        Class A(2003-6)         55264TBV2       December 15, 2004       2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       December 15, 2004       2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       December 15, 2004       2.2800000%      $1,425,000.00
        Class A(2003-9)         55264TCC3       December 15, 2004       2.2200000%      $1,942,500.00
        Class A(2003-10)        55264TCF6       December 15, 2004       2.3500000%      $979,166.67
        Class A(2003-11)        55264TCH2       December 15, 2004       3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       December 15, 2004       2.2000000%      $916,666.67
        Class A(2004-2)         55264TCK5       December 15, 2004       2.2400000%      $1,120,000.00
        Class A(2004-3)         55264TCL3       December 15, 2004       2.3500000%      $1,370,833.33
        Class A(2004-4)         55264TCP4       December 15, 2004       2.7000000%      $3,037,500.00
        Class A(2004-6)         55264TCQ2       December 15, 2004       2.2300000%      $929,166.67
        Class A(2004-7)         55264TCS8       December 15, 2004       2.1900000%      $1,642,500.00
        Class A(2004-8)         55264TCU3       December 15, 2004       2.2400000%      $933,333.33
        Class A(2004-9)         020110562       December 15, 2004       2.2640000%      $1,269,688.93
        Class A(2004-10)        55264TCV1       December 15, 2004       2.1162000%      $1,440,190.97
        Total Class A                                                                   $50,558,629.89
        Class B
        Class B(2001-1)         55264TAA9       December 15, 2004       2.4650000%      $513,541.67
        Class B(2001-2)         55264TAJ0       December 15, 2004       2.4500000%      $510,416.67
        Class B(2001-3)         55264TAP6       December 15, 2004       2.5900000%      $323,750.00
        Class B(2002-1)         55264TAR2       December 15, 2004       5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       December 15, 2004       2.4700000%      $514,583.33
        Class B(2002-3)         55264TBC4       December 15, 2004       2.4900000%      $518,750.00
        Class B(2002-4)         55264TBG5       December 15, 2004       2.5900000%      $431,666.67
        Class B(2003-1)         55264TBP5       December 15, 2004       2.5300000%      $421,666.67
        Class B(2003-2)         55264TBW0       December 15, 2004       2.4800000%      $413,333.33
        Class B(2003-3)         55264TCB5       December 15, 2004       2.4650000%      $410,833.33
        Class B(2003-5)         55264TCE9       December 15, 2004       2.4600000%      $307,500.00
        Class B(2003-4)         017754718       December 15, 2004       2.6025300%      $2,181,798.49
        Class B(2004-1)         55264TCN9       December 15, 2004       4.4500000%      $1,297,916.67
        Class B(2004-2)         55264TCT6       December 15, 2004       2.4800000%      $310,000.00
        Total Class B                                                                   $9,228,673.50
        Class C
        Class C(2001-1)         55264TAB7       December 15, 2004       3.1400000%      $654,166.67
        Class C(2001-2)         55264TAD3       December 15, 2004       3.2400000%      $270,000.00
        Class C(2001-3)         55264TAF8       December 15, 2004       6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       December 15, 2004       3.1400000%      $654,166.67
        Class C(2001-5)         55264TAN1       December 15, 2004       3.3100000%      $413,750.00
        Class C(2002-1)         55264TAS0       December 15, 2004       6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       December 15, 2004       3.0400000%      $253,333.33
        Class C(2002-3)         55264TAY7       December 15, 2004       3.4400000%      $573,333.33
        Class C(2002-4)         55264TBD2       December 15, 2004       3.2900000%      $274,166.67
        Class C(2002-5)         55264TBE0       December 15, 2004       4.0500000%      $337,500.00
        Class C(2002-6)         55264TBH3       December 15, 2004       4.0900000%      $170,416.67
        Class C(2002-7)         55264TBJ9       December 15, 2004       6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       December 15, 2004       3.7900000%      $631,666.67
        Class C(2003-2)         55264TBN0       December 15, 2004       3.6900000%      $307,500.00
        Class C(2003-3)         55264TBU4       December 15, 2004       3.4400000%      $501,666.67
        Class C(2003-5)         55264TBX8       December 15, 2004       3.2700000%      $272,500.00
        Class C(2003-6)         55264TBZ3       December 15, 2004       3.2700000%      $681,250.00
        Class C(2003-7)         55264TCG4       December 15, 2004       3.4400000%      $286,666.67
        Class C(2004-1)         55264TCM1       December 15, 2004       2.8700000%      $478,333.33
        Class C(2004-2)         55264TCR0       December 15, 2004       2.9900000%      $685,208.33
        Total Class C                                                                   $11,324,791.68


        *  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
        withdrawal



        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)   $4,850,000,000.00       $4,850,000,000.00       $4,850,000,000.00       $4,850,000,000.00
        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
        Class A(2004-4)         $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $900,000,000.00         $900,000,000.00         $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $672,980,000.00         $672,980,000.00         $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Total Class A:          $33,333,205,000.00      $33,333,205,000.00      $33,333,205,000.00      $33,333,205,000.00
        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
        Class B(2004-1)         $350,000,000.00         $350,000,000.00         $350,000,000.00         $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Total Class B:          $3,181,650,000.00       $3,181,650,000.00       $3,181,650,000.00       $3,181,650,000.00
        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
        Class C(2004-2)         $275,000,000.00         $275,000,000.00         $275,000,000.00         $275,000,000.00
        Total Class C:          $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00
        Total:                  $40,242,415,000.00      $40,242,415,000.00      $40,242,415,000.00      $40,242,415,000.00


        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     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)   $4,850,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $4,850,000,000.00
        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
        Class A(2004-4)         $1,350,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
                                $33,333,205,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $33,333,205,000.00
        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
        Class B(2004-1)         $350,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
                                $3,181,650,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,181,650,000.00
        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
        Class C(2004-2)         $275,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $275,000,000.00
                                $3,727,560,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,727,560,000.00
         Total:                 $40,242,415,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $40,242,415,000.00

        *  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  288,558,378.64

        Is 3 Month Excess Available Funds Less Than 0 ? (Yes/No)        NO




           IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Monthly Not

        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