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, 2002

                        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.

                   Documents Incorporated by Reference.  None.

<PAGE>
                                     PART  I
                                     -------

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

           Not  Applicable.


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

           Not  Applicable.


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

           Not  Applicable.


Item  4.   Submission  of  Matters  to  a  Vote  of  Security  Holders
           -----------------------------------------------------------
           Not  Applicable.

                                    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 are 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  is  91  as  of December  31, 2002

           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
           ------------------

           Not  Applicable.

<PAGE>
                                    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 are 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. is 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 February  28, 2003. Such direct participants may hold
           Certificates for their own accounts  or  for  the  accounts of their
           customers.  At February 28, 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  A

Participant                                       Quantity          Percentage
-----------------------------------               ------------      -----------
JP  Morgan  Chase  Bank                           $  64,440,000     12.89%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
Boston  Safe  Deposit  and  Trust  Company        $  62,405,000     12.48%
525  William  Penn  Place  Suite  3148
Pittsburgh,  PA  15259
------------------------------------
Deutsche  Bank  Trust  Company  Americas          $  59,615,000     11.92%
638  Grassmere  Park  Road
Nashville,  TN  37211
------------------------------------
Bank  of  New  York                               $  55,321,000     11.06%
One  Wall  Street
New  York,  NY  10286
------------------------------------
Citibank,  N.A.                                   $  50,655,000     10.13%
3800  Citibank  Center  B3-15
Tampa,  FL  33610
------------------------------------
State  Street  Bank  and  Trust  Company          $  50,067,000     10.01%
1776  Heritage  Drive
No.  Quincy,  MA  02171
-----------------------------------

<PAGE>
SERIES  1993-2
CLASS  B

Participant                                       Quantity          Percentage
------------------------------------              ------------      -----------
Bank  of  New  York                               $  12,200,000     38.23%
One  Wall  Street
New  York,  NY  10286
------------------------------------
JP  Morgan  Chase  Bank                           $  11,915,000     37.33%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
Boston  Safe  Deposit  and  Trust  Company        $  3,500,000      10.97%
525  William  Penn  Place  Suite  3148
Pittsburgh,  PA  15259
------------------------------------
State  Street  Bank  and  Trust  Company          $  3,000,000      9.40%
1776  Heritage  Drive
No.  Quincy,  MA  02171
-----------------------------------



SERIES  1996-1
CLASS  A

Participant                                       Quantity          Percentage
------------------------------------              ------------      -----------
Citibank,  N.A.                                   $153,635,000      20.32%
3800  Citibank  Center  B3-15
Tampa,  FL  33610
------------------------------------
State  Street  Bank  and  Trust  Company          $145,220,000      19.21%
1776  Heritage  Drive
No.  Quincy,  MA  02171
------------------------------------
JP  Morgan  Chase  Bank                           $123,840,000      16.38%
14201  Dallas  Pkwy
Dallas,  TX  75254
------------------------------------
Bank  of  New  York                               $111,015,000      14.68%
One  Wall  Street
New  York,  NY  10286
-------------------------------------
Deutsche  Bank  Trust  Company  Americas          $  44,700,000     5.91%
638  Grassmere  Park  Road
Nashville,  TN  37211
------------------------------------
Wells  Fargo  Bank  Minnesota,  N.A.              $  43,000,000     5.69%
51  Mercedes  Way
Edgewood,  NY  11717
------------------------------------


<PAGE>

SERIES  1996-1
CLASS  B

Participant                                       Quantity          Percentage
------------------------------------              ------------      -----------
Mizuho  Trust  &  Banking  Co.  (USA)             $  53,000,000     90.60%
666  Fifth  Avenue
New,  York  NY  10103
------------------------------------
Citibank,  N.A.                                   $  5,000,000      8.55%
3800  Citibank  Center  B3-15
Tampa,  FL  33610



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
           ----------------------------------------------

           Not  Applicable.


Item  14.  Controls  and  Procedures
           -------------------------

           Not  Applicable.

<PAGE>


                                    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 2002,
                   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, 2002
                                February 15, 2002
                                 March 15, 2002
                                 April 15, 2002
                                  May 15, 2002
                                  June 17, 2002
                                  July 15, 2002
                                 August 15, 2002
                               September 16, 2002
                                October 15, 2002
                                November 15, 2002
                                December 16, 2002

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


           (d)     Not  applicable.

<PAGE>

                                    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  thereunto  duly  authorized.

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




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




Date:   3/31/2003
     ------------

<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  31,  2003

     /s/  Leslie  J.  Fitzpatrick
     _____________________________
     Leslie  J.  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 28, 2003, 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 28, 2003, 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  31st  day  of  March,  2003.


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

<PAGE>

                                                                   Exhibit 99.2
                        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, National Association (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 28, 2003, in
accordance with  the  NationsBank  Credit  Card Master Trust Master Pooling and
Servicing Agreement  dated  December  1,  1993,  as  amended 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, 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, 2002 to February 28, 2003 for the Series 1993-2 and the  Series 1996-1
(collectively, 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 the assertions based
on  our examination.

Our examinations were conducted in accordance with 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 28,  2003.  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, 2002 to February 28, 2003 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, 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 28, 2003,
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, 2002
to February 28, 2003, are fairly  stated,  in  all  material  respects  for the
Series.

/s/  PricewaterhouseCoopers  LLP

March  13,  2003

<PAGE>

                                                                    Exhibit 99.3
    March  31,  2003

                     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  ver safeguarding of assets in compliance with the Agreement as of February
28,  003.  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 28, 2003 and that
for  he period March 1, 2002 to February 28, 2003 the Company was in compliance
with the  Agreement  in  all  material  respects.


/s/  Robert  S.  Hull                  /s/  Gary  S.  Sunstrom
_____________________                 __________________________
Robert  S.  Hull                        Gary  S.  Sunstrom
Senior  Vice  President                 Vice  President


/s/  Amy  S.  Clay
___________________
Amy  S.  Clay
Senior  Vice  President