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


                                   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:     September 13, 2002


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               on behalf of the
                      MBNA MASTER CREDIT CARD TRUST II
            (Exact name of registrant as specified in its charter)



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


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



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

<PAGE>

ITEM 5.  OTHER EVENTS

On September 16, 2002 the MBNA Master Credit Card Trust II Series 1995-
E (the
"Series") will be terminated in accordance with the provisions of
Section 10
of the Series 1999-I Supplement dated as of August 2, 1995 to the
Pooling
and Servicing Agreement dated as of August 4, 1994 (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
The
Bank of New York, as the Trustee.


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

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

20.1. Series 1995-A Certificateholders' Statement for the month
ended August 31, 2002.

20.2. Series 1995-C Certificateholders' Statement for the month
ended August 31, 2002.

20.3. Series 1995-J Certificateholders' Statement for the month
ended August 31, 2002.

20.4. Series 1996-A Certificateholders' Statement for the month
ended August 31, 2002.

20.5. Series 1996-B Certificateholders' Statement for the month
ended August 31, 2002.

20.6. Series 1996-E Certificateholders' Statement for the month
ended August 31, 2002.

20.7. Series 1996-G Certificateholders' Statement for the month
ended August 31, 2002.

20.8. Series 1996-J Certificateholders' Statement for the month
ended August 31, 2002.

20.9. Series 1996-K Certificateholders' Statement for the month
ended August 31, 2002.

20.10. Series 1996-M Certificateholders' Statement for the month
ended August 31, 2002.

20.11. Series 1997-B Certificateholders' Statement for the month
ended August 31, 2002.

20.12. Series 1997-C Certificateholders' Statement for the month
ended August 31, 2002.

20.13. Series 1997-I Certificateholders' Statement for the month
ended August 31, 2002.

20.14. Series 1997-J Certificateholders' Statement for the month
ended August 31, 2002.

20.15. Series 1997-K Certificateholders' Statement for the month
ended August 31, 2002.

20.16. Series 1997-M Certificateholders' Statement for the month
ended August 31, 2002.

20.17. Series 1998-A Certificateholders' Statement for the month
ended August 31, 2002.

20.18. Series 1998-C Certificateholders' Statement for the month
ended August 31, 2002.

20.19. Series 1998-D Certificateholders' Statement for the month
ended August 31, 2002.

20.20. Series 1998-E Certificateholders' Statement for the month
ended August 31, 2002.

20.21. Series 1998-F Certificateholders' Statement for the month
ended August 31, 2002.

20.22. Series 1998-G Certificateholders' Statement for the month
ended August 31, 2002.

20.23. Series 1998-J Certificateholders' Statement for the month
ended August 31, 2002.

20.24. Series 1999-A Certificateholders' Statement for the month
ended August 31, 2002.

20.25. Series 1999-B Certificateholders' Statement for the month
ended August 31, 2002.

20.26. Series 1999-D Certificateholders' Statement for the month
ended August 31, 2002.

20.27. Series 1999-G Certificateholders' Statement for the month
ended August 31, 2002.

20.28. Series 1999-H Certificateholders' Statement for the month
ended August 31, 2002.

20.29. Series 1999-I Certificateholders' Statement for the month
ended August 31, 2002.

20.30. Series 1999-J Certificateholders' Statement for the month
ended August 31, 2002.

20.31. Series 1999-L Certificateholders' Statement for the month
ended August 31, 2002.

20.32. Series 1999-M Certificateholders' Statement for the month
ended August 31, 2002.

20.33. Series 2000-A Certificateholders' Statement for the month
ended August 31, 2002.

20.34. Series 2000-B Certificateholders' Statement for the month
ended August 31, 2002.

20.35. Series 2000-C Certificateholders' Statement for the month
ended August 31, 2002.

20.36. Series 2000-D Certificateholders' Statement for the month
ended August 31, 2002.

20.37. Series 2000-E Certificateholders' Statement for the month
ended August 31, 2002.

20.38. Series 2000-F Certificateholders' Statement for the month
ended August 31, 2002.

20.39. Series 2000-G Certificateholders' Statement for the month
ended August 31, 2002.

20.40. Series 2000-H Certificateholders' Statement for the month
ended August 31, 2002.

20.41. Series 2000-I Certificateholders' Statement for the month
ended August 31, 2002.

20.42. Series 2000-K Certificateholders' Statement for the month
ended August 31, 2002.

20.43. Series 2000-L Certificateholders' Statement for the month
ended August 31, 2002.

20.44. Series 2001-A Certificateholders' Statement for the month
ended August 31, 2002.

20.45. Series 2001-B Certificateholders' Statement for the month
ended August 31, 2002.








                                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:     September 12, 2002


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:  /s/Christopher Harris
                                   ----------------------------------
                                    Name:   Christopher Harris
                                    Title:  First Vice President
[{"type": "8-K", "sequence": "1", "filename": "k8trust.txt", "secsgml_size_bytes": 6621}]
[{"company-data": {"conformed-name": "MBNA AMERICA BK NAT ASSOC MBNA MASTER CREDIT CARD TRUST II", "cik": "0000936988", "assigned-sic": "6189", "irs-number": "510331454", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-20949", "film-number": "02763496"}, "business-address": {"street1": "1100 NORTH KING ST", "city": "WILMINGTON", "state": "DE", "zip": "19801", "phone": "3024539930"}, "mail-address": {"street1": "400 CHRISTIANA RD", "street2": "MS 700760", "city": "NEWARK", "state": "DE", "zip": "19813"}}, {"company-data": {"conformed-name": "MBNA AMERICA BANK NATIONAL ASSOCIATION", "cik": "0000838440", "assigned-sic": "6189", "irs-number": "510331454", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-17324", "film-number": "02763497"}, "business-address": {"street1": "1100 NORTH KING ST", "city": "WILMINGTON", "state": "DE", "zip": "19801", "phone": "3024539930"}, "mail-address": {"street1": "400 CHRISTIANA RD MS 700760", "city": "NEWARK", "state": "DE", "zip": "19713"}, "former-company": [{"former-conformed-name": "MARYLAND BANK NA", "date-changed": "19891204"}, {"former-conformed-name": "MBNA AMERICA BANK N A", "date-changed": "19910801"}]}]
=======================================================================
=======

                                   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:     September 13, 2002

                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               on behalf of the
                      MBNA MASTER CREDIT CARD TRUST II
            (Exact name of registrant as specified in its charter)

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

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

Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------
ITEM 5.  OTHER EVENTS

On September 16, 2002 the MBNA Master Credit Card Trust II Series 1995-
E (the
"Series") will be terminated in accordance with the provisions of
Section 10
of the Series 1999-I Supplement dated as of August 2, 1995 to the
Pooling
and Servicing Agreement dated as of August 4, 1994 (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
The
Bank of New York, as the Trustee.

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

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

20.1. Series 1995-A Certificateholders' Statement for the month
ended August 31, 2002.

20.2. Series 1995-C Certificateholders' Statement for the month
ended August 31, 2002.

20.3. Series 1995-J Certificateholders' Statement for the month
ended August 31, 2002.

20.4. Series 1996-A Certificateholders' Statement for the month
ended August 31, 2002.

20.5. Series 1996-B Certificateholders' Statement for the month
ended August 31, 2002.

20.6. Series 1996-E Certificateholders' Statement for the month
ended August 31, 2002.

20.7. Series 1996-G Certificateholders' Statement for the month
ended August 31, 2002.

20.8. Series 1996-J Certificateholders' Statement for the month
ended August 31, 2002.

20.9. Series 1996-K Certificateholders' Statement for the month
ended August 31, 2002.

20.10. Series 1996-M Certificateholders' Statement for the month
ended August 31, 2002.

20.11. Series 1997-B Certificateholders' Statement for the month
ended August 31, 2002.

20.12. Series 1997-C Certificateholders' Statement for the month
ended August 31, 2002.

20.13. Series 1997-I Certificateholders' Statement for the month
ended August 31, 2002.

20.14. Series 1997-J Certificateholders' Statement for the month
ended August 31, 2002.

20.15. Series 1997-K Certificateholders' Statement for the month
ended August 31, 2002.

20.16. Series 1997-M Certificateholders' Statement for the month
ended August 31, 2002.

20.17. Series 1998-A Certificateholders' Statement for the month
ended August 31, 2002.

20.18. Series 1998-C Certificateholders' Statement for the month
ended August 31, 2002.

20.19. Series 1998-D Certificateholders' Statement for the month
ended August 31, 2002.

20.20. Series 1998-E Certificateholders' Statement for the month
ended August 31, 2002.

20.21. Series 1998-F Certificateholders' Statement for the month
ended August 31, 2002.

20.22. Series 1998-G Certificateholders' Statement for the month
ended August 31, 2002.

20.23. Series 1998-J Certificateholders' Statement for the month
ended August 31, 2002.

20.24. Series 1999-A Certificateholders' Statement for the month
ended August 31, 2002.

20.25. Series 1999-B Certificateholders' Statement for the month
ended August 31, 2002.

20.26. Series 1999-D Certificateholders' Statement for the month
ended August 31, 2002.

20.27. Series 1999-G Certificateholders' Statement for the month
ended August 31, 2002.

20.28. Series 1999-H Certificateholders' Statement for the month
ended August 31, 2002.

20.29. Series 1999-I Certificateholders' Statement for the month
ended August 31, 2002.

20.30. Series 1999-J Certificateholders' Statement for the month
ended August 31, 2002.

20.31. Series 1999-L Certificateholders' Statement for the month
ended August 31, 2002.

20.32. Series 1999-M Certificateholders' Statement for the month
ended August 31, 2002.

20.33. Series 2000-A Certificateholders' Statement for the month
ended August 31, 2002.

20.34. Series 2000-B Certificateholders' Statement for the month
ended August 31, 2002.

20.35. Series 2000-C Certificateholders' Statement for the month
ended August 31, 2002.

20.36. Series 2000-D Certificateholders' Statement for the month
ended August 31, 2002.

20.37. Series 2000-E Certificateholders' Statement for the month
ended August 31, 2002.

20.38. Series 2000-F Certificateholders' Statement for the month
ended August 31, 2002.

20.39. Series 2000-G Certificateholders' Statement for the month
ended August 31, 2002.

20.40. Series 2000-H Certificateholders' Statement for the month
ended August 31, 2002.

20.41. Series 2000-I Certificateholders' Statement for the month
ended August 31, 2002.

20.42. Series 2000-K Certificateholders' Statement for the month
ended August 31, 2002.

20.43. Series 2000-L Certificateholders' Statement for the month
ended August 31, 2002.

20.44. Series 2001-A Certificateholders' Statement for the month
ended August 31, 2002.

20.45. Series 2001-B Certificateholders' Statement for the month
ended August 31, 2002.

                                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:     September 12, 2002

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

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