**EXHIBIT 31.1**

 

**Certification**

I, Elizabeth S. Buie, certify that:

| 1. | I have reviewed this report on Form 10-K and all reports                            on Form 10-D required to be filed in respect of the period covered by                            this report on Form 10-K of BA Credit Card Trust (the "Exchange Act                            periodic reports"); |
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| 2. | Based on my knowledge, the Exchange Act periodic                            reports, taken as a whole, do not contain any untrue statement of a                            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 with respect to the period covered                            by this report; |
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| 3. | Based on my knowledge, all of the distribution,                            servicing and other information required to be provided under Form 10-D                            for the period covered by this report is included in the Exchange Act                            periodic reports; |
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| 4. | I am responsible for reviewing the activities performed                            by the servicers and based on my knowledge and the compliance reviews                            conducted in preparing the servicer compliance statements required in                            this report under Item 1123 of Regulation AB, and except as                            disclosed in the Exchange Act periodic reports, the servicers have                            fulfilled their obligations under the servicing agreements in all                            material respects; and |
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| 5. | All of the reports on assessment of compliance with                            servicing criteria for asset-backed securities and their related                            attestation reports on assessment of compliance with servicing criteria                            for asset-backed securities required to be included in this report in                            accordance with Item 1122 of Regulation AB and Exchange Act Rules                            13a-18 and 15d-18 have been included as an exhibit to this report,                            except as otherwise disclosed in this report. Any material instances of                            noncompliance described in such reports have been disclosed in this                            report on Form 10-K. |
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In giving the certifications above, I have reasonably relied on            information provided to me by the following unaffiliated parties: The Bank of New            York.

 

Date:            September 18, 2007

 

| By:    /s/ Elizabeth S.                            Buie                                             |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

Name:  Elizabeth S. Buie

|   | Title:    Senior Vice                            President       |   |
|--------|---------------------------------------------------------------------------------|--------|
|        |                                                                                 |        |
|        | (senior officer in charge of the servicing                            function) |        |

 

             

 

 

 

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