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


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) March 15, 2005


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

333-104089

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))



<PAGE>
Section 8 - Other Events.

ITEM 8.01.              Other Events.

March 15, 2005 is a Distribution Date for each publicly-offered Series of
Certificates issued by MBNA Master Credit Card Trust II.  Copies of the
Certificateholders' Statements for the month ended February, 28, 2005 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. Series 1995-C Certificateholders' Statement for the month ended
 February 28, 2005.

20.2. Series 1996-B Certificateholders' Statement for the month ended
 February 28, 2005.

20.3. Series 1996-G Certificateholders' Statement for the month ended
February 28, 2005.

20.4. Series 1996-M Certificateholders' Statement for the month ended
February 28, 2005.

20.5. Series 1997-B Certificateholders' Statement for the month ended
February 28, 2005.

20.6. Series 1997-K Certificateholders' Statement for the month ended
February 28, 2005.

20.7. Series 1998-E Certificateholders' Statement for the month ended
February 28, 2005.

20.8. Series 1998-F Certificateholders' Statement for the month ended
February 28, 2005.

20.9. Series 1998-G Certificateholders' Statement for the month ended
February 28, 2005.

20.10. Series 1999-B Certificateholders' Statement for the month ended
February 28, 2005.

20.11. Series 1999-D Certificateholders' Statement for the month ended
February 28, 2005.

20.12. Series 1999-J Certificateholders' Statement for the month ended
February 28, 2005.

20.13. Series 1999-L Certificateholders' Statement for the month ended
February 28, 2005.

20.14. Series 2000-D Certificateholders' Statement for the month ended
February 28, 2005.

20.15. Series 2000-E Certificateholders' Statement for the month ended
February 28, 2005.

20.16. Series 2000-F Certificateholders' Statement for the month ended
February 28, 2005.

20.17. Series 2000-G Certificateholders' Statement for the month ended
February 28, 2005.

20.18. Series 2000-H Certificateholders' Statement for the month ended
February 28, 2005.

20.19. Series 2000-I Certificateholders' Statement for the month ended
February 28, 2005.

20.20. Series 2000-K Certificateholders' Statement for the month ended
February 28, 2005.

20.21. Series 2000-L Certificateholders' Statement for the month ended
February 28, 2005.

20.22. Series 2001-A Certificateholders' Statement for the month ended
February 28, 2005.

20.23. Series 2001-B Certificateholders' Statement for the month ended
February 28, 2005.


                                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:     March 15, 2005


                                   MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                   as Servicer

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


DOCSDC1:195478.1



DOCSDC1:195478.1
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[{"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": "05680043"}, "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": "0630"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-17324", "film-number": "05680044"}, "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": "MBNA AMERICA BANK N A", "date-changed": "19910801"}, {"former-conformed-name": "MARYLAND BANK NA", "date-changed": "19891204"}]}]
=============================================================================

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) March 15, 2005

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

333-104089

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.

March 15, 2005 is a Distribution Date for each publicly-offered Series of
Certificates issued by MBNA Master Credit Card Trust II.  Copies of the
Certificateholders' Statements for the month ended February, 28, 2005 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. Series 1995-C Certificateholders' Statement for the month ended
 February 28, 2005.

20.2. Series 1996-B Certificateholders' Statement for the month ended
 February 28, 2005.

20.3. Series 1996-G Certificateholders' Statement for the month ended
February 28, 2005.

20.4. Series 1996-M Certificateholders' Statement for the month ended
February 28, 2005.

20.5. Series 1997-B Certificateholders' Statement for the month ended
February 28, 2005.

20.6. Series 1997-K Certificateholders' Statement for the month ended
February 28, 2005.

20.7. Series 1998-E Certificateholders' Statement for the month ended
February 28, 2005.

20.8. Series 1998-F Certificateholders' Statement for the month ended
February 28, 2005.

20.9. Series 1998-G Certificateholders' Statement for the month ended
February 28, 2005.

20.10. Series 1999-B Certificateholders' Statement for the month ended
February 28, 2005.

20.11. Series 1999-D Certificateholders' Statement for the month ended
February 28, 2005.

20.12. Series 1999-J Certificateholders' Statement for the month ended
February 28, 2005.

20.13. Series 1999-L Certificateholders' Statement for the month ended
February 28, 2005.

20.14. Series 2000-D Certificateholders' Statement for the month ended
February 28, 2005.

20.15. Series 2000-E Certificateholders' Statement for the month ended
February 28, 2005.

20.16. Series 2000-F Certificateholders' Statement for the month ended
February 28, 2005.

20.17. Series 2000-G Certificateholders' Statement for the month ended
February 28, 2005.

20.18. Series 2000-H Certificateholders' Statement for the month ended
February 28, 2005.

20.19. Series 2000-I Certificateholders' Statement for the month ended
February 28, 2005.

20.20. Series 2000-K Certificateholders' Statement for the month ended
February 28, 2005.

20.21. Series 2000-L Certificateholders' Statement for the month ended
February 28, 2005.

20.22. Series 2001-A Certificateholders' Statement for the month ended
February 28, 2005.

20.23. Series 2001-B Certificateholders' Statement for the month ended
February 28, 2005.

                                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:     March 15, 2005

                                   MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                   as Servicer

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

DOCSDC1:195478.1

DOCSDC1:195478.1