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


                                   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:     December 12, 1997


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)


                               33-47934, 33-49850,
                          33-54462, 33-57988, 33-64244,
  United States                                                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.
                                                    ---------------

<PAGE>
ITEM 2.   ACQUISITION OR DISPOSITION OF ASSETS

In accordance with Section 2.07 of the MBNA Master Credit Card Trust Pooling 
and Servicing Agreement, $7,226,930.30 of Principal Receivables were 
removed from MBNA Master Credit Card Trust and reassigned to MBNA America 
Bank, National Association on November 21, 1997.  The amount of Investor 
Certificates remained unchanged at $4,483,333,333.25


ITEM 5.   OTHER EVENTS

On December 16, 1997, the MBNA Master Credit Card Trust Series 1992-1 (the   
"Series") will be terminated in accordance with the provisions of Section 10   
of the Series 1992-1 Supplement dated as of May 29, 1992 to the Pooling   
and Servicing Agreement dated as of September 25, 1991 (the "Pooling and   
Servicing Agreement") and subsection 12.03 of the Pooling and Servicing   
Agreement.  Final payment will be made on the Series certificates after   
presentation and surrender of the Series certificates at the offices of   
Bankers Trust Company, as the trustee.  


ITEM 5.   OTHER EVENTS


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

     20.1.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.2.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.3.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.4.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.5.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.6.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.7.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

    20.8.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.


<PAGE>


ITEM 5.   OTHER EVENTS


     The following are filed as Exhibits to this Report under Exhibit 99:

     99.1.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the 
month ended November 30, 1997.

     99.2.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the 
month ended November 30, 1997.

     99.3.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the 
month ended November 30, 1997.

     99.4.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the 
month ended November 30, 1997.

     99.5.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

     99.6.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

     99.7.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

    99.8.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.



                                  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 12, 1997


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         Marguerite M. Boylan
                                   ----------------------------------
                                Name:       Marguerite M. Boylan
                                Title:      First Vice President
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==============================================================================

                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT

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

Date of Report:     December 12, 1997

                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)

                               33-47934, 33-49850,
                          33-54462, 33-57988, 33-64244,
  United States                                                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 2.   ACQUISITION OR DISPOSITION OF ASSETS

In accordance with Section 2.07 of the MBNA Master Credit Card Trust Pooling 
and Servicing Agreement, $7,226,930.30 of Principal Receivables were 
removed from MBNA Master Credit Card Trust and reassigned to MBNA America 
Bank, National Association on November 21, 1997.  The amount of Investor 
Certificates remained unchanged at $4,483,333,333.25

ITEM 5.   OTHER EVENTS

On December 16, 1997, the MBNA Master Credit Card Trust Series 1992-1 (the   
"Series") will be terminated in accordance with the provisions of Section 10   
of the Series 1992-1 Supplement dated as of May 29, 1992 to the Pooling   
and Servicing Agreement dated as of September 25, 1991 (the "Pooling and   
Servicing Agreement") and subsection 12.03 of the Pooling and Servicing   
Agreement.  Final payment will be made on the Series certificates after   
presentation and surrender of the Series certificates at the offices of   
Bankers Trust Company, as the trustee.  

ITEM 5.   OTHER EVENTS

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

     20.1.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.2.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.3.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.4.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.5.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.6.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

     20.7.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.

    20.8.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for 
the month ended November 30, 1997.
ITEM 5.   OTHER EVENTS

     The following are filed as Exhibits to this Report under Exhibit 99:

     99.1.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the 
month ended November 30, 1997.

     99.2.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the 
month ended November 30, 1997.

     99.3.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the 
month ended November 30, 1997.

     99.4.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the 
month ended November 30, 1997.

     99.5.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

     99.6.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

     99.7.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

    99.8.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended November 30, 1997.

                                  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 12, 1997

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

                                By:         Marguerite M. Boylan
                                   ----------------------------------
                                Name:       Marguerite M. Boylan
                                Title:      First Vice President