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


                                   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:     March 14, 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                    333-59424                    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

The MBNASeries Class B(2002-1)notes were issued February 28, 2002.  The
net proceeds from the sale of the notes will be used by the Seller for
its general corporate purposes.

The MBNASeries Class C(2002-1)notes were issued February 28, 2002.  The
net proceeds from the sale of the notes will be used by the Seller for
its general corporate purposes.

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 impact the monthly
results of MBNA Master Credit Card Trust II for February 2002 and March
2002, but will 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 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 will now charge off in March 2002. MBNA
America Bank, N.A.'s actual net credit loss and delinquency ratios for
its managed loans were 3.66% and 5.25%, respectively, for February
2002.  Had the measures described above not been implemented, MBNA
America Bank, N.A.'s estimated managed net credit loss and delinquency
ratios would have been 5.08% and 5.10%, respectively.  Managed loans
include loans held for securitization, loan portfolio, and securitized
loans.

MBNA Master Credit Card Trust II's delinquency ratios are higher and
the gross chargeoff ratios are lower than their anticipated levels for
February 2002 as a result of these measures. The effect of these
measures will conclude in March 2002 when, MBNA Master Credit Card
Trust II's monthly gross chargeoff ratios will be higher than
anticipated by similar amounts.  The delinquency ratios at March 31,
2002 and the gross chargeoff ratios for the three months ended March
31, 2002, will be unaffected by these measures. These measures will not
impact MBNA Master Credit Card Trust II's gross chargeoff and
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 4:

4.1	The Class B(2002-1) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated February 28, 2002, among MBNA
America Bank, National Association, Seller and Servicer, and The
Bank of New York, Trustee.

4.2 The Class C(2002-1) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated February 28, 2002, among MBNA
America Bank, National Association, Seller and Servicer, and The
Bank of New York, Trustee.


The following are filed as Exhibits to this Report under Exhibit 10:

10.1  Interest Rate Swap Agreement, dated Febrauary 28, 2002 between
Westdeutsche Landesbank Girozentrale, New York Branch and MBNA
Credit Card Master Note Trust.

10.2  Interest Rate Swap Agreement, dated Febrauary 28, 2002 between
JPMorgan Chase Bank and MBNA Credit Card Master Note Trust.


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



20.1  MBNASeries Noteholders' Statement for the month ended
February 28, 2002.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the
month ended February 28, 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:     March 14, 2002


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Christopher Harris
                                   ----------------------------------
                                    Name:   Christopher Harris
                                    Title:  First Vice President
[{"type": "8-K", "sequence": "1", "filename": "form8k.txt", "secsgml_size_bytes": 5574}]
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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:     March 14, 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                    333-59424                    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

The MBNASeries Class B(2002-1)notes were issued February 28, 2002.  The
net proceeds from the sale of the notes will be used by the Seller for
its general corporate purposes.

The MBNASeries Class C(2002-1)notes were issued February 28, 2002.  The
net proceeds from the sale of the notes will be used by the Seller for
its general corporate purposes.

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 impact the monthly
results of MBNA Master Credit Card Trust II for February 2002 and March
2002, but will 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 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 will now charge off in March 2002. MBNA
America Bank, N.A.'s actual net credit loss and delinquency ratios for
its managed loans were 3.66% and 5.25%, respectively, for February
2002.  Had the measures described above not been implemented, MBNA
America Bank, N.A.'s estimated managed net credit loss and delinquency
ratios would have been 5.08% and 5.10%, respectively.  Managed loans
include loans held for securitization, loan portfolio, and securitized
loans.

MBNA Master Credit Card Trust II's delinquency ratios are higher and
the gross chargeoff ratios are lower than their anticipated levels for
February 2002 as a result of these measures. The effect of these
measures will conclude in March 2002 when, MBNA Master Credit Card
Trust II's monthly gross chargeoff ratios will be higher than
anticipated by similar amounts.  The delinquency ratios at March 31,
2002 and the gross chargeoff ratios for the three months ended March
31, 2002, will be unaffected by these measures. These measures will not
impact MBNA Master Credit Card Trust II's gross chargeoff and
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 4:

4.1	The Class B(2002-1) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated February 28, 2002, among MBNA
America Bank, National Association, Seller and Servicer, and The
Bank of New York, Trustee.

4.2 The Class C(2002-1) Terms Document to the MBNASeries Indenture
Supplement to the Indenture, dated February 28, 2002, among MBNA
America Bank, National Association, Seller and Servicer, and The
Bank of New York, Trustee.

The following are filed as Exhibits to this Report under Exhibit 10:

10.1  Interest Rate Swap Agreement, dated Febrauary 28, 2002 between
Westdeutsche Landesbank Girozentrale, New York Branch and MBNA
Credit Card Master Note Trust.

10.2  Interest Rate Swap Agreement, dated Febrauary 28, 2002 between
JPMorgan Chase Bank and MBNA Credit Card Master Note Trust.

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

20.1  MBNASeries Noteholders' Statement for the month ended
February 28, 2002.

      20.2 MBNASeries Schedule to the Noteholders' Statement for the
month ended February 28, 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:     March 14, 2002

                               MBNA AMERICA BANK, NATIONAL ASSOCIATION

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