SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                          _____________________________

                                    FORM 10-K

                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 2003

                        COMMISSION FILE NUMBER: 33-69572

  Bank of America, National Association (USA) (as Servicer and on behalf of the
  -----------------------------------------------------------------------------
                      NationsBank Credit Card Master Trust)
                      -------------------------------------
               (EXACT NAME OF REGISTRANT AS SPECIFIED IN CHARTER)


United  States  of  America                                 51-0313900
---------------------------                                 ----------
(STATE  OR  OTHER JURISDICTION OF                           (I.R.S. EMPLOYER ID)
INCORPORATION)


Blue  Hen  Corporate  Center,  Route  13,  Dover,  Delaware 19901
----------------------------------------------------------------
(ADDRESS  OF  PRINCIPAL  EXECUTIVE  OFFICES)                (ZIP CODE)

REGISTRANT'S  TELEPHONE  NUMBER,  INCLUDING  AREA  CODE          (302)
672-4321

SECURITIES  REGISTERED  PURSUANT  TO  SECTION  12(B)  OF  THE  ACT:     None.

SECURITIES  REGISTERED  PURSUANT  TO  SECTION  12(G)  OF  THE  ACT:

     Class  A  Series  1993-2  Fixed  Rate  Asset  Backed  Certificates
     Class  B  Series  1993-2  Fixed  Rate  Asset  Backed  Certificates
     Class  A  Series  1996-1  Floating  Rate  Asset  Backed  Certificates
     Class  B  Series  1996-1  Floating  Rate  Asset  Backed  Certificates

Indicate  by  check  mark  whether  the  registrant:  (1)  has filed all reports
Required  to  be filed by Section 13 or 15(d) of the Securities and Exchange Act
of  1934  during  the  preceding 12 months (or for such  shorter period that the
registrant  was required to file such reports), and (2) has been subject to such
filing  requirements  for  the  past  90  days.  Yes  [X]  No  [  ].

Indicate  by  check mark if disclosure of delinquent filers pursuant to Item 405
of  Regulation  S-K  is  not contained herein, and will not be contained, to the
best  of  the  registrant's  knowledge,  in  definitive  proxy  or  information
statements  incorporated  by  reference  in  Part  III  of this Form 10-K or any
amendment  to  this  Form  10-K.  [X].

Indicated  by  check  mark  whether  the  registrant is an accelerated filer (as
defined  in  Rule  12b-2  of  the  Act).  Yes  [  ]  No  [X].

State the aggregate market value of the voting and non-voting common equity held
by  non-affiliates computed by reference to the price at which the common equity
was  last  sold, or the average bid and asked price of such common equity, as of
the  last business day of the registrant's most recently completed second fiscal
quarter.  None.




                                Introductory Note
                                -----------------

This  Annual  Report  on  Form 10-K is prepared in the reliance on the no-action
letter  dated  October 27, 1988 issued by the Securities and Exchange Commission
to  Chemical  Bank  Credit  Card  Trust  1988-A.

                   Documents Incorporated by Reference.  None.

<PAGE>

                                     PART  I
                                     -------

Item  1.     Business
             --------

          Not  Applicable.


Item  2.     Properties
             ----------

        Pursuant  to the  NationsBank Credit Card Master Trust Master Pooling
        and Servicing Agreement dated December 1, 1993, as amended June 4,1996
        and March 31, 1997, including the Series 1993-2 and the Series 1996-1
        Supplements  between  Bank  of  America, National Association (USA),
        Formerly NationsBank  of  Delaware, N.A., as Transferor and Servicer,
        and The Bank of  New  York,  as  Trustee  (the  "Pooling  Agreement"),
        PricewaterhouseCoopers LLP  has performed certain procedures in
        connection with the Monthly Servicer's Certificates  (the  "Monthly
        Certificates"). The Monthly Certificates contain information relating
        to the receivables (the "Receivables") and the accounts  from which
        the Receivables arise (the "Accounts")  and  are  prepared by the
        Servicer and delivered to the Trustee pursuant  to  the  Pooling
        Agreement.  The  reports  issued by PricewaterhouseCoopers LLP in
        connection with the servicing activities of the Servicer, are attached
        hereto as Exhibit 99.2. The Monthly Certificates containing information
        relating to the Receivables and the Accounts are incorporated by
        reference from the registrant's Current Reports  on  Form  8-K.

        Pursuant to the Pooling Agreement, the Servicer has certified to the
        Trustee  as  to the performance of its obligations under the Pooling
        Agreement.  This  certificate  is  attached  hereto as Exhibit 99.1.



Item  3.   Legal  Proceedings
             ------------------

     The  registrant  knows  of  no  material  pending  legal  proceedings
     involving the  NationsBank  Credit  Card  Master  Trust, the Servicer
     or the Trustee (in its  capacity  as such), other than routine litigation
     incidental to its business.


Item  4.  Submission  of  Matters  to  a  Vote  of  Security  Holders
          -----------------------------------------------------------

          None.



<PAGE>



                                    PART  II
                                    --------

Item  5.     Market  for  Registrant's  Common  Equity  and  Related Stockholder
             -------------------------------------------------------------------
Matters
     --

The  certificates  representing  investors'  interests in the NationsBank Credit
Card Master Trust were represented by one or more Certificates registered in the
name  of Cede & Co., the nominee of the Depository Trust Company.  The number of
direct  DTC  participants shown on DTC's records as holding beneficial ownership
interests  in  the  certificates  was  5  as  of  December  31,  2003.

To  the best knowledge of the registrant, there is no established public trading
market  for  the  Certificates.


Item  6.     Selected  Financial  Data
             -------------------------

             Not Applicable.


Item  7.     Management's  Discussion  and  Analysis  of Financial Condition and
             -------------------------------------------------------------------
             Results  of  Operations
             --------------------

              Not Applicable.


Item  7A.     Quantitative  and  Qualitative  Disclosures  About  Market  Risk
              ----------------------------------------------------------------

              Not Applicable.


Item  8.      Financial  Statements  and  Supplementary  Data
              -----------------------------------------------

              Not Applicable.


Item  9.    Changes  in  and  Disagreements  with Accountants on Accounting and
            -------------------------------------------------------------------
            Financial  Disclosure
            ------------------

              None.


Item  9A.    Controls  and  Procedures
             -------------------------

             Not  Applicable.


<PART>

                                    PART  III
                                    ---------

Item  10.     Directors  and  Executive  Officers  of  the  Registrant
              --------------------------------------------------------

              Not Applicable.


Item  11.     Executive  Compensation.
              ------------------------

              Not Applicable.


Item  12.     Security Ownership of Certain Beneficial Owners and Management and
              ------------------------------------------------------------------
              Related Stockholder Matters
              -----------------------------

The  Certificates  of  each  Class  representing  investors'  interests  in  the
NationsBank  Credit  Card  Master  Trust  were  represented  by  one  or  more
Certificates registered in the name of Cede & Co., the nominee of the Depository
Trust  Company  ("DTC").  An  investor  holding  an  interest in the NationsBank
Credit  Card  Master Trust is not entitled to receive a certificate representing
such  interest except in certain limited circumstances.  Accordingly, Cede & Co.
was the sole holder of record of the Certificates, which it held on behalf of
brokers, dealers,  banks  and  other  direct  participants in the DTC system at
December  31,  2003.  Such  direct  participants held Certificates for their own
accounts  or  for  the  accounts  of their customers.  At December 31, 2003, the
following  direct  DTC  participants  held  positions  in  the  Certificates
representing  interests  in the NationsBank Credit Card Master Trust equal to or
exceeding  5%  of  the  total principal amount of the Certificates of each Class
outstanding  on  the  date:


SERIES  1993-2
CLASS  B

Participant                                  Quantity               Percentage
-----------------------------------          ------------          -----------
Bank  of  New  York                          $  12,700,000            39.79%
One  Wall  Street
New  York,  NY  10286
------------------------------------
JP  Morgan  Chase  Bank                      $  11,915,000            37.33%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
Mellon  Trust  of  New  England              $   3,500,000            10.97%
525  William  Penn  Place
Suite  3418
Pittsburgh,  PA  15259
------------------------------------
State  Street  Bank  and  Trust  Company     $   2,800,000          8.77%
1776  Heritage  Drive
No.  Quincy,  MA  02171
------------------------------------

The  address  of  Cede  &  Co.  is:
Cede  &  Co.
C/O  The  Depository  Trust  Company
55  Water  Street
New  York,  NY  10041


Item  13.     Certain  Relations  and  Related  Transactions
              ----------------------------------------------

There have not been, and there are not currently proposed, to the best knowledge
of  the  registrant,  any transaction or series of transactions, to which either
the  NationsBank  Credit Card Master Trust, the Transferor, the Servicer, or the
Trustee,  on behalf of the Trust, is a party with any Certificateholder who owns
of  record  or  beneficially  more  than  five  percent  of  the  Certificates.



Item  14.     Principal  Accountant  Fees  and  Services
              ------------------------------------------

          Not  Applicable.

<PART>
                                    PART  IV
                                    --------


Item  15.     Exhibits,  Financial Statements Schedules, and Reports on Form 8-K
              ------------------------------------------------------------------

(a)     The  following  documents  are  filed  as  part  of  this  report.

1.     Not  applicable.

2.     Not  applicable

3.     Exhibits
99.1     Annual  Servicer's  Certificate
99.2     Report  of  Independent  Accountants
99.3     Report  of  Management  on  Compliance  with  Pooling  and
      Servicing  Agreement


(b)     Reports  on  Form  8-K.

As  Servicer  and on behalf of the NationsBank Credit Card Master Trust, Bank of
America,  National Association (USA) filed a Current Report on Form 8-K pursuant
to  Items  5  and  7  for  the following monthly distribution dates during 2003,
including the Certificateholders' Statements for each due period provided to The
Bank  of  New  York,  as  Trustee.


                           DATE OF REPORTS ON FORM 8-K
                           ---------------------------

                                January 15, 2003
                                February 15, 2003
                                 March 17, 2003
                                 April 15, 2003
                                  May 15, 2003
                                  June 15, 2003
                                  July 15, 2003
                                 August 15, 2003
                               September 15, 2003
                                October 15, 2003
                                November 15, 2003
                                December 15, 2003

(c)     See  Item  15  (a)  (3)  above.


(c)     Not  applicable.


                                    SIGNATURE

Pursuant  to  the requirements of Section 13 or 15(d) of the Securities Exchange
Act  of 1934 as amended, the registrant has duly caused this report to be signed
on  its  behalf  by  the  undersigned  hereunto  duly  authorized.

BANK  OF  AMERICA,  National  Association  (USA),  as  Servicer on Behalf of the
NationsBank  Credit  Card  Master  Trust




By:  /s/_Leslie  Fitzpatrick______________________
   -----------------------------------------------
        Leslie  Fitzpatrick
        Senior  Vice  President
        Bank  of  America,  National  Association  (USA)
        Duly  Authorized  Officer)




Date:   3/30/2004
     ------------

<PAGE>



                      NATIONSBANK CREDIT CARD MASTER TRUST

     Certification Pursuant to Section 302 of The Sarbanes-Oxley Act of 2002
     -----------------------------------------------------------------------

I,  Leslie  J. Fitzpatrick, a duly authorized representative of Bank of America,
National  Association  (USA),  formerly  NationsBank  of Delaware, N.A., certify
that:

1.     I  have reviewed this annual report on Form 10-K, and all reports on Form
8-K  containing  distribution  or  servicing reports filed in respect of periods
included  in  the  year covered by this annual report, of the NationsBank Credit
Card  Master  Trust;

2.     Based  on  my  knowledge,  the  information  in these reports, taken as a
whole, does not contain any untrue statement of material fact or omit to state a
material  fact  necessary  to  make  the  statements  made,  in  light  of  the
circumstances  under  which  such statements were made, not misleading as of the
last  day  of  the  period  covered  by  this  annual  report;

3.     Based on my knowledge, the distribution of servicing information required
to  be  provided to the trustee by the servicer under the pooling and servicing,
or  similar,  agreement,  for  inclusion  in  these reports is included in these
reports;

4.     I  am  responsible for reviewing the activities performed by the servicer
under  the  pooling  and  servicing,  or  similar,  agreement  and based upon my
knowledge  and  the  annual compliance review required under that agreement, and
except  as  disclosed in the reports, the servicer has fulfilled its obligations
under  that  agreement;  and

5.     The  reports  disclose  all  significant  deficiencies  relating  to  the
servicer's compliance with the minimum servicing standards based upon the report
provided  by  an  independent  public  accountant,  after conducting a review in
compliance  with  the Uniform Single Attestation Program for Mortgage Bankers or
similar  procedure,  as  set  forth  in  the  pooling and servicing, or similar,
agreement,  that  is  included  in  these  reports.


     March  30,  2004

     /s/  Leslie  Fitzpatrick
     _____________________________
     Leslie  Fitzpatrick
     Senior  Vice  President
     Bank  of  America,  National  Association  (USA)
     (Duly  Authorized  Officer)


<PAGE>

                                  EXHIBIT  INDEX



Exhibit  Number          Description  of  Exhibit
--------------          --------------------------------------

     99.1               Annual  Servicer's  Certificate
     99.2               Report  of  Independent  Accountants
     99.3               Report  of  Management  on  Compliance  with  Master
                        Pooling  and  Servicing  Agreement





<PAGE>
                                                                    Exhibit 99.1
                          Annual Servicer's Certificate

                   Bank of America, National Association (USA)

                      NationsBank Credit Card Master Trust
                      ------------------------------------


     The  undersigned,  a  duly  authorized  representative  of Bank of America,
National  Association  (USA) (the "Company"), as Servicer pursuant to the Master
Pooling and Servicing Agreement dated as of December 1, 1993, as amended June 4,
1996  and  March 31, 1997,  (the "Pooling and Servicing Agreement"), between the
Company,  as Transferor and Servicer, and The Bank of New York, as Trustee, does
hereby  certify  that:

1.     Capitalized  terms  used  in  this  Officer's  Certificate  have  their
respective  meanings  set  fourth  in  the  Pooling  and  Servicing  Agreement.

2.     The  Company  is as of the date hereof the Servicer under the Pooling and
Servicing  Agreement.

3.     The  undersigned is duly authorized pursuant to the Pooling and Servicing
Agreement  to  execute  and  deliver  this Officer's Certificate to the Trustee.

4.     This  certificate is delivered pursuant to Section 3.5 of the Pooling and
Servicing  Agreement.

5.     A review of the activities of the Servicer during the twelve-month period
ended  February 29, 2004, and of its performance under the Pooling and Servicing
Agreement  was  made  under  my  supervision.

6.     Based  on  such  review,  to the best of the undersigned's knowledge, the
Servicer has fully performed all its obligations under the Pooling and Servicing
Agreement  throughout  such  twelve-month  period  and  no event which, with the
giving of notice or passage of time or both, would constitute a Servicer Default
has  occurred  or  is  continuing  except  as  set  forth  in paragraph 7 below.

7.     The  following  is  a  description  of  each  Servicer  Default under the
provisions  of the Pooling and Servicing Agreement known to me to have been made
during  the twelve-month period ended February 29, 2004, which sets forth in the
detail  the  (i)  nature of each such Servicer Default, (ii) the action taken by
the Servicer, if any, to remedy each such Servicer Default and (iii) the current
status  of  each  such  Servicer  Default:  None

IN  WITNESS WHEREOF, the undersigned, a duly authorized officer of the Servicer,
has  duly  executed  this  Certificate  this  30th  day  of  March,  2004.


                              By:/s/  Leslie  Fitzpatrick
                                     ________________________
                                    Leslie  Fitzpatrick
                                    Senior  Vice  President

<PAGE>

                        REPORT OF INDEPENDENT ACCOUNTANTS

To  the  Board  of  Directors  of
Bank  of  America,  N.A.  (USA):

We  have examined management's assertion, included in the accompanying Report of
Management  on Compliance with Master Pooling and Servicing Agreement, that Bank
of  America, N.A. (USA), formerly NationsBank of Delaware, N.A., (the "Company")
maintained  an  effective  system of internal control over servicing of accounts
and  over  safeguarding  of  assets  against  unauthorized  acquisition,  use or
disposition for the year ended February 29, 2004, in compliance with NationsBank
Credit Card Master Trust Pooling and Servicing Agreement dated December 1, 1993,
as  amended  June 4, 1996 and March  31,  1997  and  including  the  Series
1993-2, and the Series 1996-1 Supplements (collectively, the  "Agreement"),
between  the  Company,  as  Transferor  and
Servicer,  and  The  Bank  of  New  York,  as  Trustee.  We  have  also examined
management's  assertion,  included  in  the accompanying Report of Management on
Compliance  with  Master  Pooling  and  Servicing Agreement, about the Company's
compliance  with  sections  3.1(b-c,  e),  3.2,  3.4(c),  3.5, 3.8, 3.9, 4.1(a),
4.1(c-f),  4.3, 4.4(a-c), 4.5, 4.6, 4.7, 4.8, 4.9, 4.10, 4.11, 4.12, and 8.8 -
and as to sections 4.13, 4.14, 4.15, 4.16 and 4.17 with respect to the Series
1996-1 Supplement and as to section 13.5 where applicable in the previously
delineated sections and  except  for  references  from  such  sections  to a
section (and references therefrom) in Article III or Article IV not
specifically delineated herein - of the  Agreement for the period March 1, 2003
to February 29, 2004 for the Series 1993-2 and the Series 1996-1 (the
"Series").  The Company's management is responsible for maintaining an
effective  system  of  internal  control over servicing of accounts and over
safeguarding of  assets against unauthorized acquisition, use or disposition
in compliance  with  the  Agreement (hereafter referred to as "servicing"),
and for compliance  with  the  aforementioned sections  of  the  Agreement.
Our responsibility is to express an opinion on management's assertions based
on our examinations.

Our  examinations  were  conducted  in  accordance  with  attestation  standards
established  by  the  American  Institute  of  Certified Public Accountants and,
accordingly,  included  obtaining  an  understanding  of  the Company's internal
control  over servicing and evaluating the design and operating effectiveness of
internal  control  as  of  February  29,  2004.  Our  examinations also included
examining,  on  a  test  basis, evidence about the Company's compliance with the
aforementioned  sections  of  the  Agreement  for  the  period  March 1, 2003 to
February  29,  2004  for  the  Series and performing such other procedures as we
considered  necessary  in  the  circumstances.  We believe that our examinations
provide  a  reasonable  basis  for  our  opinion.

Because  of  inherent  limitations in any internal control system, misstatements
due  to  error or fraud may occur and not be detected.  Also, projections of any
evaluation  of  the  internal  control  over  compliance  with  the  specified
requirements of the Agreement to future periods are subject to the risk that the
internal control may become inadequate because of changes in conditions, or that
the  degree  of  compliance  with  the  policies and procedures may deteriorate.

In our opinion, management's assertions that the Company maintained an effective
system  of  internal  control over servicing as of February 29, 2004, based upon
the  criteria  for  effective  internal  control described in Internal Control -
Integrated  Framework issued by the Committee of Sponsoring Organizations of the
Treadway  Commission,  and  that  the  Company  complied with the aforementioned
sections of the Agreement for the period March 1, 2003 to February 29, 2004, are
fairly  stated,  in  all  material  respects  for  the  Series.

/s/  PricewaterhouseCoopers  LLP

March  30,  2004




                                                                    Exhibit 99.3
    March  30,  2004

                     REPORT OF MANAGEMENT ON COMPLIANCE WITH
                     MASTER POOLING AND SERVICING AGREEMENT

The  management  of  Bank  of  America,  National  Association  (USA),  formerly
NationsBank of Delaware, N.A.,  (the  "Company") is responsible for establishing
and  maintaining  an  effective  system  of  internal  control over servicing of
accounts  and  over safeguarding of assets against unauthorized acquisition, use
or  disposition  in  compliance  with  the  NationsBank Credit Card Master Trust
Master  Pooling  and Servicing Agreement dated December 1, 1993, as amended June
4,  1996  and  March  31,  1997, including the  Series  1993-2  and  the  Series
1996-1  Supplements  (collectively,  the "Agreement"),  between  the Company, as
Transferor  and  Servicer,  and  The  Bank of New York,  as  Trustee. The system
contains  monitoring  mechanisms,  with  actions  taken  to  correct  identified
deficiencies.  Even  an  effective  internal  control system, no matter how well
designed, has inherent limitations, including the possibility of human error and
the  circumvention  or  overriding  of controls, and therefore, can provide only
reasonable  assurance  with  respect  to  the  servicing  of  accounts  and  the
safeguarding  of  assets against unauthorized acquisition, use or disposition in
compliance  with  the Agreement.  Further, because of changes in conditions, the
effectiveness  of  an  internal  control  system  may  vary  over  time.

Management  has  assessed its internal control system over servicing of accounts
and  over safeguarding of assets in compliance with the Agreement as of February
29,  2004.  This assessment was based on criteria for effective internal control
described  in Internal Control - Integrated Framework issued by the Committee of
Sponsoring  Organizations  of  the Treadway Commission, insofar as such criteria
related  to  servicing of accounts and safeguarding of assets in compliance with
the  Agreement.  Based  on this assessment, management believes that the Company
maintained  an  effective  system of internal control over servicing of accounts
and  over  safeguarding  of  assets  against  unauthorized  acquisition,  use or
disposition  in  compliance  with the Agreement as of February 29, 2004 and that
for  the period March 1, 2003 to February 29, 2004 the Company was in compliance
with  the  Agreement  in  all  material  respects.


/s/  Robert  S.  Hull             /s/  Joe  Palermo
_____________________                 __________________________
Robert  S.  Hull                        Joe  Palermo
Senior  Vice  President                 Senior  Vice  President


/s/  Leslie  Fitzpatrick
___________________
Leslie  Fitzpatrick
Senior  Vice  President