Exhibit_99.02

                     MBNA AMERICA BANK, NATIONAL ASSOCIATION


                        MBNA CREDIT CARD MASTER NOTE TRUST


         The undersigned, a duly authorized representative of MBNA America
Bank, National Association ("MBNA"), pursuant to the Indenture (the
"Indenture") dated as of May 24, 2001 by and between MBNA Credit Card Master
Note Trust, as Issuer (the "Issuer") and The Bank of New York, as Indenture
Trustee (the "Indenture Trustee"), does hereby certify that:

         1.  MBNA is Beneficiary under the Indenture.

         2.  The undersigned, an Issuer Authorized Officer authorized to act on
behalf of the Issuer, is required pursuant to the Indenture to execute and
deliver this statement to the Indenture Trustee.

         3.  This statement is delivered pursuant to Section 1104 of the
Indenture.

         4.  A review of the activities of the Issuer for the twelve-month
period ended June 30, 2004 and of the Issuer's performance under the Indenture
and under the terms of the Notes was conducted under my supervision.

         5.  Based on such review, the Issuer has, to my knowledge, complied in
all material aspects with all conditions and covenants under the Indenture
throughout such review period and no material default in the performance of
such obligations has occurred or is continuing except as set forth in paragraph
6 below.

         6.  The following is a description of each material default in the
performance of the Issuer's obligations under the provisions of the Indenture
known to the undersigned to have been made during such review period which sets
forth in detail (i) the nature of each such default, (ii) the action taken by
the Issuer, if any, to remedy each such default and (iii) the current status of
each such default:

None


         IN WITNESS WHEREOF, the undersigned has duly executed this statement
this 16th day of August 2004.


                                            /s/Douglas O. Hart
                                   Name:    Douglas O. Hart
                                   Title:   Senior Executive Vice President






                        ANNUAL SERVICER'S CERTIFICATE

                           MBNA AMERICA BANK, N.A.


                      MBNA MASTER CREDIT CARD TRUST II


         The undersigned, a duly authorized representative of MBNA America
Bank, N.A. (the "Bank"), as Servicer pursuant to the Pooling and Servicing
Agreement dated as of August 4, 1994 (the "Pooling and Servicing Agreement") by
and between the Bank and The Bank of New York, as trustee, (the "Trustee") does
hereby certify that:

         1.  The Bank is Servicer under the Pooling and Servicing Agreement.

         2.  The undersigned is duly authorized as required pursuant to the
Pooling and Servicing Agreement to execute and deliver this Certificate to the
Trustee.

         3.  This Certificate is delivered pursuant to Section 3.05 of the
Pooling and Servicing Agreement.

         4.  A review of the activities of the Servicer during the twelve-month
period ended June 30, 2004 was conducted under my supervision.

         5.  Based on such review, the Servicer has, to my knowledge, fully
performed all its obligations under the Pooling and Servicing Agreement
throughout such twelve-month period and no material default in the performance
of such obligations has occurred or is continuing except as set forth in
paragraph 6 below.

         6.  The following is a description of each material default in the
performance of the Servicer's obligations under the provisions of the Pooling
and Servicing Agreement known to the undersigned to have been made during such
period which sets forth in detail (i) the nature of each such default, (ii) the
action taken by the Servicer, if any, to remedy each such default and (iii) the
current status of each such default:

None


         IN WITNESS WHEREOF, the undersigned has duly executed this Certificate
this 16th day of August 2004.


                                            /s/Douglas O. Hart
                                   Name:    Douglas O. Hart
                                   Title:   Senior Executive Vice President