SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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, 2001

                         Commission file number 33-69572
                                                --------

 Bank of America, National Association (U.S.A) (as Servicer and on behalf of the
 -------------------------------------------------------------------------------
                      NationsBank Credit Card Master Trust)
                      -------------------------------------
             (Exact name of registrant as specified in its charter)

United  States  of  America                                  51-0313900
--------------------------------------------------------------------------------
(State  or  other  jurisdiction                              (IRS  Employer
of  incorporation  or  organization)                         Identification No.)

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:     None.

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 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  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]

State  the  aggregate market value of the voting stock held by non-affiliates of
the  registrant.  None.

Indicate  the number of shares outstanding of the registrant's classes of common
stock,  as  of  the  latest  practicable  date.  None.

Documents  Incorporated  by  Reference.  None.

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

Item  1.     Business
             --------
             Not  applicable.

Item  2.     Properties
             ----------
             Not  applicable.

Item  3.     Legal  Proceedings
             ------------------
             There are no material pending legal proceedings with respect to
             NationsBank Credit  Card  Master  Trust  (the  "Trust") involving
             the Trust, The Bank of New York, as Trustee, or  Bank  of  America,
             National  Association  (U.S.A.), as Servicer,  other than ordinary
             routine litigation incidental to the Trust assets or the Trustee's
             or the Servicer's duties under the applicable Pooling and Servicing
             Agreement.

Item  4.     Submission  of  Matters  to  a  Vote  of  Security  Holders
             -----------------------------------------------------------
             None.

PART  II
--------

Item  5.     Market  for  the Registrant's Common Equity and Related Stockholder
             -------------------------------------------------------------------
             Matters
             -------
             (a)     Market Information.  There is no established public trading
                     market for the  Certificates.

             (b)     Holders.  Since each of the Certificates was issued in book
                     entry form only, there is only one holder of record of each
                     Series of Certificates.  See Item 12  below.

             (c)     Dividends.  Not  applicable.

Item  6.     Selected  Financial  Data
             -------------------------
                       Not  applicable.

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

PART  III
---------

Item  10.  Directors  and  Executive  Officers  of  the  Registrant
           --------------------------------------------------------
                       Not  applicable.

Item  11.  Executive  Compensation
           -----------------------
                       Not  applicable.

<PAGE>


Item  12.  Security  Ownership  of  Certain  Beneficial  Owners  and  Management
           ---------------------------------------------------------------------
           The  Certificates 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 Trust
           is not entitled to receive a certificate  representing  such interest
           except  in limited  circumstances.  Accordingly,  Cede & Co.  is  the
           sole  holder of record of the Certificates, which it holds  on behalf
           of brokers, dealers, banks and other participants in the DTC  system.
           Such participants may hold certificates for their own accounts or for
           the  accounts of their customers.     The  address of Cede & Co. is:
                    Cede  &  Co.
                    c/o  The  Depository  Trust  Company
                    Attention:  Proxy  Department
                    Seven  Hanover  Square
                    New  York,  New  York  10004

Item  13.  Certain  Relationships  and  Related  Transactions
           --------------------------------------------------
           There has not been, and there is not currently proposed, any
           transaction or series  of  transactions, to which either the Trust or
           Bank  of  America,  National  Association (U.S.A.), as Servicer, is a
           party  with  any Certificateholder, or any member  of  the  immediate
           family  of  any  such Certificateholder, who, to the knowledge of the
           Servicer,  owns  of  record or beneficially more than five percent of
           the  Certificates.

PART  IV
--------

Item  14.  Exhibits,  Financial  Statement  Schedules,  and  Reports on Form 8-K
           ---------------------------------------------------------------------

           (a)     1.     Not  applicable.
                   2.     Not  applicable.
                   3.     Exhibits:
                          99.1    Annual  Servicer's  Certificate
                          99.2    Report  of  Independent  Accountants

           (b)     Reports  on  Form  8-K.
                   As Servicer and on behalf of the NationsBank Credit Card
                   Master Trust, Bank of America,  National Association (U.S.A.)
                   filed a Current Report on Form 8-K pursuant to Items 5 and 7
                   for the following monthly distribution dates during 2001,
                   including the Certificateholder's Statements for each due
                   period provided  to  The  Bank  of  New  York,  as  Trustee.

                          Dates of Reports on Form 8-K
                          ----------------------------

                                January 16, 2001
                                February 15, 2001
                                 March 15, 2001
                                 April 15, 2001
                                  May 15, 2001
                                  June 15, 2001
                                  July 16, 2001
                                 August 15, 2001
                               September 17, 2001
                                October 15, 2001
                                November 15, 2001
                                December 17, 2001

           (c)     The  exhibits  filed as part of this report are listed in the
                   Index  to  Exhibits  on  page  5.

           (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  (U.S.A.),
                    as  Servicer  and  on  behalf  of
                    NationsBank  Credit  Card  Master  Trust

                    By:  /s/  Leslie  J.  Fitzpatrick
                         ----------------------------
                    Leslie  J.  Fitzpatrick
                    Senior  Vice  President
                    (Duly  Authorized  Officer)


                    Date:   3/29/2002
                            ---------


<PAGE>
                                INDEX TO EXHIBITS




          Exhibit  No.                 Description  of  Exhibit

          99.1                         Annual  Servicer's  Certificate

          99.2                         Report  of  Independent  Accountants



<PAGE>
                                                                    Exhibit 99.1
                                                                     Page 1 of 1

                          Annual Servicer's Certificate

                 Bank of America, National Association (U.S.A.)

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

     The  undersigned,  a  duly  authorized  representative  of Bank of America,
National  Association  (U.S.A.),  as  Successor  Servicer  ("Bank  of America"),
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 NationsBank, 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 forth in the  Pooling  and  Servicing  Agreement.

2.    Bank  of  America 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.    The  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 during the calendar
      year ended December 31, 2001,  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 calendar year 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 calendar year ended December 31, 2001, which sets forth in
      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  29th  day  of
      March,  2002.



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

<PAGE>
                                                                    Exhibit 99.2
                                                                     Page 1 of 3

                        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  28,  2002,  in accordance with the
NationsBank  Credit  Card  Master  Trust  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, 2001 to February
28,  2002  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.  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,  2002.  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, 2001 to February 28, 2002 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, 2002, 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, 2001 to February 28, 2002, are
fairly  stated,  in  all  material  respects  for  the  Series.


March  1,  2002

<PAGE>
                                                                    Exhibit 99.2
                                                                     Page 3 of 3



March  1,  2002

                     REPORT OF MANAGEMENT ON COMPLIANCE WITH
                     MASTER POOLING AND SERVICING AGREEMENT

The management of Bank of America, N.A. (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  NationsBank  Credit  Card  Master  Trust  Master  Pooling  and
Servicing Agreement dated December 1, 1993, as amended 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
28,  2002.  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, 2002 and that
for  the period March 1, 2001 to February 28, 2002 the Company was in compliance
with  the  Agreement  in  all  material  respects.


/s/Terry  L.  Schappert                   /s/Cynthia  A.  Brimacombe
-----------------------                   --------------------------
Terry  L.  Schappert                      Cynthia  A.  Brimacombe
Senior  Vice  President                   Vice  President


/s/Victoria  Jahanbani
----------------------
Victoria  Jahanbani
Vice  President