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


                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



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

Date of Report:     April 12, 2002


                   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                    333-89755                    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

On March 19, 2002, MBNA America Bank, National Association (the
"Seller") conveyed to the MBNA Master Credit Card Trust II (the "Trust") all
of the receivables (the "Receivables") in certain additional credit card
accounts (the "Additional Accounts") of the Seller pursuant to an
Assignment No. 34 of Receivables in Additional Accounts dated as of March
19, 2002, (the "Assignment").  The principal amount of the Receivables in
the Additional Accounts on March 19, 2002, was $4,309,281,239.88.  The
Seller conveyed the Receivables in the Additional Accounts to the Trust
pursuant to subsection 2.06(b) of the Pooling and Servicing Agreement.

ITEM 5.  OTHER EVENTS

As reported in September 2001, MBNA America Bank, N.A. ("The Bank") initiated
measures to assist its Customers who were affected by the tragic events of
September 11, 2001.  These measures impacted MBNA Master Credit Card Trust
II's gross chargeoff ratio for March 2002, but did not impact the results for
the three months ended March 31, 2002. These measures provided assistance for
Customers who were not delinquent and may not have received their statement
in a timely manner or may have had delivery of their payment delayed. These
measures did not affect accounts already reported as delinquent. The Bank's
charge-off policy was unaffected.  The Bank's actions postponed some
Customer's accounts from becoming delinquent for 30 days and, subsequently,
without these measures some accounts that would have charged off in February
2002 charged off in March 2002. As a result, the Bank's net credit loss
ratios were higher than their anticipated levels for March 2002.  The Bank's
actual net credit loss and delinquency ratios for its managed loans were
6.34% and 5.00%, respectively, for March 2002.  Had the measures described
above not been implemented, the Bank's estimated managed net credit loss
ratio for March 2002 would have been 4.92%.  The delinquency ratios at March
31, 2002 and the net credit loss ratios for the three months ended March 31,
2002 were unaffected by these measures.  The effect of these measures
concluded in March 2002 and will not impact the net credit loss and
delinquency ratios for April 2002 and thereafter.  Managed loans include
loans held for securitization, loan portfolio, and securitized loans.

MBNA Master Credit Card Trust II's gross chargeoff ratio was also higher than
its anticipated level for March 2002 as a result of these measures.  However,
MBNA Master Credit Card Trust II's delinquency ratio at March 31, 2002 and
the gross chargeoff ratio for the three months ended March 31, 2002, were
unaffected by these measures.  The effect of these measures concluded in
March 2002 and will not impact MBNA Master Credit Card Trust II's gross
chargeoff or delinquency ratios for April 2002 or thereafter.


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,
2002.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the month
ended March 31, 2002.



<PAGE>






                                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 12, 2002


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Christopher Harris
                                   ----------------------------------
                                    Name:   Christopher Harris
                                    Title:  First Vice President
[{"type": "8-K", "sequence": "1", "filename": "kformallnotes.txt", "secsgml_size_bytes": 5255}]
[{"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": "02609274"}, "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"}]}, {"company-data": {"conformed-name": "MBNA CREDIT CARD MASTER NOTE TRUST", "cik": "0001128250", "assigned-sic": "6189", "irs-number": "510331454", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "333-50316-02", "film-number": "02609275"}, "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 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": "02609276"}, "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"}}]
=============================================================================
=

                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT

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

Date of Report:     April 12, 2002

                   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                    333-89755                    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

On March 19, 2002, MBNA America Bank, National Association (the
"Seller") conveyed to the MBNA Master Credit Card Trust II (the "Trust") all
of the receivables (the "Receivables") in certain additional credit card
accounts (the "Additional Accounts") of the Seller pursuant to an
Assignment No. 34 of Receivables in Additional Accounts dated as of March
19, 2002, (the "Assignment").  The principal amount of the Receivables in
the Additional Accounts on March 19, 2002, was $4,309,281,239.88.  The
Seller conveyed the Receivables in the Additional Accounts to the Trust
pursuant to subsection 2.06(b) of the Pooling and Servicing Agreement.

ITEM 5.  OTHER EVENTS

As reported in September 2001, MBNA America Bank, N.A. ("The Bank") initiated
measures to assist its Customers who were affected by the tragic events of
September 11, 2001.  These measures impacted MBNA Master Credit Card Trust
II's gross chargeoff ratio for March 2002, but did not impact the results for
the three months ended March 31, 2002. These measures provided assistance for
Customers who were not delinquent and may not have received their statement
in a timely manner or may have had delivery of their payment delayed. These
measures did not affect accounts already reported as delinquent. The Bank's
charge-off policy was unaffected.  The Bank's actions postponed some
Customer's accounts from becoming delinquent for 30 days and, subsequently,
without these measures some accounts that would have charged off in February
2002 charged off in March 2002. As a result, the Bank's net credit loss
ratios were higher than their anticipated levels for March 2002.  The Bank's
actual net credit loss and delinquency ratios for its managed loans were
6.34% and 5.00%, respectively, for March 2002.  Had the measures described
above not been implemented, the Bank's estimated managed net credit loss
ratio for March 2002 would have been 4.92%.  The delinquency ratios at March
31, 2002 and the net credit loss ratios for the three months ended March 31,
2002 were unaffected by these measures.  The effect of these measures
concluded in March 2002 and will not impact the net credit loss and
delinquency ratios for April 2002 and thereafter.  Managed loans include
loans held for securitization, loan portfolio, and securitized loans.

MBNA Master Credit Card Trust II's gross chargeoff ratio was also higher than
its anticipated level for March 2002 as a result of these measures.  However,
MBNA Master Credit Card Trust II's delinquency ratio at March 31, 2002 and
the gross chargeoff ratio for the three months ended March 31, 2002, were
unaffected by these measures.  The effect of these measures concluded in
March 2002 and will not impact MBNA Master Credit Card Trust II's gross
chargeoff or delinquency ratios for April 2002 or thereafter.

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,
2002.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the month
ended March 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:     April 12, 2002

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

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