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


                                   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:     August 14, 2003


                   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               (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 July 29, 2003, 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. 38 of Receivables in Additional Accounts dated as of July
29, 2003, (the "Assignment").  The principal amount of the Receivables in
the Additional Accounts on July 29, 2003, was $2,668,869,566.56.  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

The MBNASeries Class C(2003-5)notes were issued July 2, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

The MBNASeries Class A(2003-7)notes were issued July 8, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

The MBNASeries Class C(2003-6)notes were issued July 30, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 4:

4.1	The Class C(2003-5) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 2, 2003, among MBNA Credit Card
Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

4.2 The Class A(2003-7) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 8, 2003, among MBNA Credit Card
Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

4.3	The Class C(2003-6) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 30, 2003, among MBNA Credit
Card Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

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

20.1  MBNASeries Noteholders' Statement for the month ended July 31,
2003.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the month
ended July 31, 2003.


<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:     August 14, 2003


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Marcie Copson-Hall
                                   ----------------------------------
                                    Name:   Marcie Copson-Hall
                                    Title:  Executive Vice President
[{"type": "8-K", "sequence": "1", "filename": "k8trustallnotes.txt", "secsgml_size_bytes": 4328}]
[{"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": "03848272"}, "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": "03848274"}, "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": "03848271"}, "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"}]}]
=============================================================================
=

                                   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:     August 14, 2003

                   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               (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 July 29, 2003, 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. 38 of Receivables in Additional Accounts dated as of July
29, 2003, (the "Assignment").  The principal amount of the Receivables in
the Additional Accounts on July 29, 2003, was $2,668,869,566.56.  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

The MBNASeries Class C(2003-5)notes were issued July 2, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

The MBNASeries Class A(2003-7)notes were issued July 8, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

The MBNASeries Class C(2003-6)notes were issued July 30, 2003.  The net
proceeds from the sale of the notes will be used by the Seller for its
general corporate purposes.

Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 4:

4.1	The Class C(2003-5) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 2, 2003, among MBNA Credit Card
Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

4.2 The Class A(2003-7) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 8, 2003, among MBNA Credit Card
Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

4.3	The Class C(2003-6) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated July 30, 2003, among MBNA Credit
Card Master Note Trust as Issuer and The Bank of New York as Indenture
Trustee.

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

20.1  MBNASeries Noteholders' Statement for the month ended July 31,
2003.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the month
ended July 31, 2003.
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:     August 14, 2003

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

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