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UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549
 FORM 10-K
  þ
    
    Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 For the fiscal year ended December 31, 2009
 or
 o
    
    Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
 For the transition period from  to
 Commission File Number of issuing entity:
    
    Commission File Number of issuing entity:333-126628
    
    000-26342
 NATIONAL CITY CREDIT CARD 
MASTER NOTE TRUST
(Exact name of issuing entity as specified in its charter)
(Issuer of the Notes)
    
    NATIONAL CITY CREDIT CARD
MASTER TRUST
(Exact name of issuing entity as specified in its charter)
(Issuer of the Collateral Certificate)
 Commission File Number of depositor: 333-126628-02
 PNC BANK, NATIONAL ASSOCIATION (SUCCESSOR TO NATIONAL CITY BANK)
  Delaware
(State or other jurisdiction of incorporation or 
organization of the issuing entity)
    
    New York
(State or other jurisdiction of incorporation or
organization of the issuing entity)
 c/o PNC Bank, National Association (successor to 
National City Bank) 
One PNC Plaza 
249 Fifth Avenue 
Pittsburgh, PA 15222-2707
(Address of principal executive offices of issuing entity)
    
    c/o PNC Bank, National Association (successor to
National City Bank)
One PNC Plaza
249 Fifth Avenue
Pittsburgh, PA 15222-2707
(Address of principal executive offices of issuing entity)
 (412) 762-2000
(Telephone number, including area code)
    
    (412 762-2000
(Telephone number, including area code)
 Not Applicable
(I.R.S. Employer Identification No.)
    
    Not Applicable
(I.R.S. Employer Identification No.)
   o þ
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  Large accelerated filer o


Accelerated filer o


Non-accelerated filer þ(Do not check if a smaller reporting company)


Smaller reporting company o o þ




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TABLE OF CONTENTS  PART IItem 1. BusinessItem 1A. Risk FactorsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. ReservedItem 1B. Unresolved Staff Comments.Item 1112(b) of Regulation AB: Significant Obligor Financial InformationItem 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial InformationItem 1115(b) of Regulation AB: Derivative Instrument Provider Financial InformationItem 1117 of Regulation AB: Legal ProceedingsPART IIItem 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity SecuritiesItem 6. Selected Financial DataItem 7. Managements Discussion and Analysis of Financial Condition and Results of OperationsItem 7A. Quantitative and Qualitative Disclosures About Market RiskItem 8. Financial Statements and Supplementary DataItem 9. Changes in and Disagreements With Accountants on Accounting and Financial DisclosureItem 9A(T). Controls and ProceduresItem 9B. Other Information.PART IIIItem 10. Directors, Executive Officers and Corporate GovernanceItem 11. Executive CompensationItem 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder MattersItem 13. Certain Relationships and Related Transactions, and Director IndependenceItem 14. Principal Accounting Fees and ServicesItem 1119 of Regulation AB: Affiliations and Certain Relationships and Related TransactionsItem 1122 of Regulation AB: Compliance with Applicable Servicing CriteriaItem 1123 of Regulation AB: Servicer Compliance StatementPART IVItem 15. Exhibits, Financial Statement SchedulesSIGNATUREExhibit IndexEX-31EX-33.1EX-33.2EX-34.1EX-34.2EX-35    Table of Contents  
 PART I
 The following items are omitted in accordance with General Instruction J to Form 10-K:
 
  
  
  
  
  
 Item 1B. Unresolved Staff Comments.
  Substitute information provided in accordance with General Instruction J to Form 10-K:
 
 Item 1112(b) of Regulation AB: Significant Obligor Financial Information
   
 Item 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial Information
  
 Item 1115(b) of Regulation AB: Derivative Instrument Provider Financial Information
  
 Item 1117 of Regulation AB: Legal Proceedings
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PART II
 The following items are omitted in accordance with General Instruction J to Form 10-K:
 
  
  
  
  
  
  
  
 Item 9B. Other Information.
  
 PART III
 The following items are omitted in accordance with General Instruction J to Form 10-K:
 
  
  
  
  
  Substitute information provided in accordance with General Instruction J to Form 10-K:
 
 Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions
  
 Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria
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1122(d)(2)(i): Payments on pool assets are deposited into the appropriate custodial bank accounts
and related bank clearing accounts no more than two business days of receipt, or such other number
of days specified in the transaction agreements.
      1122(d)(3)(i)(A):Investor remittances and reporting.
 (i) Reports to investors, including those to be filed with the Commission, are maintained in
accordance with the transaction agreements and applicable Commission requirements. Specifically,
such reports:
 (A)
    
    Are prepared in accordance with timeframes and other terms set forth in the
transaction agreements;(B)
    
    Provide information calculated in accordance with the terms specified in
the transaction agreements;(C)
    
    Are filed with the Commission as required by its rules and regulations; and(D)
    
    Agree with investors or the trustees records as to the total unpaid
principal balance and number of pool assets serviced by the servicer.
   
 Item 1123 of Regulation AB: Servicer Compliance Statement
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PART IV
 
 Item 15. Exhibits, Financial Statement Schedules
     ExhibitNumber
    
    Description4.1
    
    Pooling and Servicing Agreement dated as of June 1, 1995, as
amended and restated as of July 1, 2000 (included in Exhibit
4.1 to National City Credit Card Master Trusts (the
Registrant) Form S-3 filed with the Securities and Exchange
Commission on July 27, 2000, which is incorporated herein by
reference)4.2
    
    First Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of May 24, 2001
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on June 7, 2001,
which is incorporated herein by reference)4.3
    
    Second Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of August 3, 2005
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on August 8, 2005,
which is incorporated herein by reference)4.4
    
    Third Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of March 20, 2007
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)4.5
    
    Fourth Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of July 1, 2009
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on July 1, 2009,
which is incorporated herein by reference)4.6
    
    Series 2005-CC Supplement relating to the Collateral
Certificate (included in Exhibit 4.1 to the Registrants Form
8-K filed with the Securities and Exchange Commission on
September 6, 2005, which is incorporated herein by reference)4.7
    
    Indenture, dated as of August 23, 2005 (included in Exhibit
4.3 to the Registrants Form 8-K filed with the Securities and
Exchange Commission on September 6, 2005, which is
incorporated herein by reference)4.8
    
    First Amendment to the Indenture, dated as of March 20, 2007
(included in Exhibit 4.3 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)
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ExhibitNumber
    
    Description4.9
    
    Series 2005-1 Indenture Supplement, dated as of August 23,
2005 (included in Exhibit 4.4 to the Registrants Form 8-K
filed with the Securities and Exchange Commission on September
6, 2005, which is incorporated herein by reference)4.10
    
    Series 2006-1 Indenture Supplement, dated as of March 30, 2006
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on April 3, 2006,
which is incorporated herein by reference)4.11
    
    Series 2007-1 Indenture Supplement, dated as of March 20, 2007
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)4.12
    
    Series 2008-3 Indenture Supplement, dated as of May 28, 2008
(included in Exhibit 4.1.3 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on June 4, 2008,
which is incorporated herein by reference)4.13
    
    Amended and Restated 2005-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.1 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.14
    
    Amended and Restated 2006-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.2 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.15
    
    Amended and Restated 2007-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.3 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.16
    
    Amended and Restated 2008-3 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.6 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.17
    
    National City Credit Card Master Note Trust Amended and
Restated Trust Agreement, dated as of August 23, 2005
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on September 6,
2005, which is incorporated herein by reference)4.18
    
    First Amendment to National City Credit Card Master Note Trust
Amended and Restated Trust Agreement, dated as of March 20,
2007 (included in Exhibit 4.4 to the Registrants Form 8-K
filed with the Securities and Exchange Commission on March 23,
2007, which is incorporated herein by reference)4.19
    
    Form of the Series 2005-1 Notes (included in Exhibit 4.9)4.20
    
    Form of the Series 2006-1 Notes (included in Exhibit 4.10)4.21
    
    Form of the Series 2007-1 Notes (included in Exhibit 4.11)4.22
    
    Form of the Series 2008-3 Notes (included in Exhibit 4.12)4.23
    
    Form of the Collateral Certificate (included in Exhibit 4.6)
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ExhibitNumber
    
    Description10
    
    Administration Agreement (included in Exhibit 10.1 to the
Registrant Form 8-K filed with the Securities and Exchange
Commission on September 6, 2005, which is incorporated herein
by reference)31
    
    Certification of PNC Bank, National Association (successor to
National City Bank) pursuant to Rule 13a-14(d)/15d-14(d) under
the Securities Exchange Act of 1934.33.1
    
    Report on Assessment of Compliance with Servicing Criteria for
PNC Bank, National Association (successor to National City
Bank) as of and for the 12-month period ending December 31,
2009.33.2
    
    Report on Assessment of Compliance with Servicing Criteria for
The Bank of New York Mellon (formerly The Bank of New York)
and BNY Mellon Trust of Delaware (formerly BNYM (Delaware),
formerly The Bank of New York (Delaware)), as of and for the
12-month period ending December 31, 2009.34.1
    
    Attestation Report of PricewaterhouseCoopers LLP on Assessment
of Compliance with Servicing Criteria relating to PNC Bank,
National Association (successor to National City Bank).34.2
    
    Attestation Report of KPMG LLP on Assessment of Compliance
with Servicing Criteria relating to The Bank of New York
Mellon (formerly The Bank of New York) and BNY Mellon Trust of
Delaware (formerly BNYM (Delaware), formerly The Bank of New
York (Delaware)).35
    
    Servicer Compliance Statement of PNC Bank, National
Association (successor to National City Bank) for the 12-month
period ending December 31, 2009.
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PNC BANK, NATIONAL ASSOCIATION (SUCCESSOR TO NATIONAL
CITY BANK), Servicer
National City Credit Card Master Note Trust
National City Credit Card Master TrustDate: March 31, 2010
    By:
    /s/ Andrew D. WidnerName:
    Andrew D. WidnerTitle:
    Vice President 8




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Exhibit Index
 ExhibitNumber
    
    Description4.1
    
    Pooling and Servicing Agreement dated as of June 1, 1995, as
amended and restated as of July 1, 2000 (included in Exhibit
4.1 to National City Credit Card Master Trusts (the
Registrant) Form S-3 filed with the Securities and Exchange
Commission on July 27, 2000, which is incorporated herein by
reference)4.2
    
    First Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of May 24, 2001
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on June 7, 2001,
which is incorporated herein by reference)4.3
    
    Second Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of August 3, 2005
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on August 8, 2005,
which is incorporated herein by reference)4.4
    
    Third Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of March 20, 2007
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)4.5
    
    Fourth Amendment to the National City Credit Card Master Trust
Pooling and Servicing Agreement, dated as of July 1, 2009
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on July 1, 2009,
which is incorporated herein by reference)4.6
    
    Series 2005-CC Supplement relating to the Collateral
Certificate (included in Exhibit 4.1 to the Registrants Form
8-K filed with the Securities and Exchange Commission on
September 6, 2005, which is incorporated herein by reference)4.7
    
    Indenture, dated as of August 23, 2005 (included in Exhibit
4.3 to the Registrants Form 8-K filed with the Securities and
Exchange Commission on September 6, 2005, which is
incorporated herein by reference)4.8
    
    First Amendment to the Indenture, dated as of March 20, 2007
(included in Exhibit 4.3 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)4.9
    
    Series 2005-1 Indenture Supplement, dated as of August 23,
2005 (included in Exhibit 4.4 to the Registrants Form 8-K
filed with the Securities and Exchange Commission on September
6, 2005, which is incorporated herein by reference)4.10
    
    Series 2006-1 Indenture Supplement, dated as of March 30, 2006
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on April 3, 2006,
which is incorporated herein by reference)4.11
    
    Series 2007-1 Indenture Supplement, dated as of March 20, 2007
(included in Exhibit 4.1 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on March 23, 2007,
which is incorporated herein by reference)4.12
    
    Series 2008-3 Indenture Supplement, dated as of May 28, 2008
(included in Exhibit 4.1.3 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on June 4, 2008,
which is incorporated herein by reference)
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ExhibitNumber
    
    Description4.13
    
    Amended and Restated 2005-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.1 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.14
    
    Amended and Restated 2006-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.2 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.15
    
    Amended and Restated 2007-1 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.3 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.16
    
    Amended and Restated 2008-3 Indenture Supplement dated as of
July 1, 2009 (included in Exhibit 4.1.6 to the Registrants
Form 8-K filed with the Securities and Exchange Commission on
July 1, 2009, which is incorporated herein by reference)4.17
    
    National City Credit Card Master Note Trust Amended and
Restated Trust Agreement, dated as of August 23, 2005
(included in Exhibit 4.2 to the Registrants Form 8-K filed
with the Securities and Exchange Commission on September 6,
2005, which is incorporated herein by reference)4.18
    
    First Amendment to National City Credit Card Master Note Trust
Amended and Restated Trust Agreement, dated as of March 20,
2007 (included in Exhibit 4.4 to the Registrants Form 8-K
filed with the Securities and Exchange Commission on March 23,
2007, which is incorporated herein by reference)4.19
    
    Form of the Series 2005-1 Notes (included in Exhibit 4.9)4.20
    
    Form of the Series 2006-1 Notes (included in Exhibit 4.10)4.21
    
    Form of the Series 2007-1 Notes (included in Exhibit 4.11)4.22
    
    Form of the Series 2008-3 Notes (included in Exhibit 4.12)4.23
    
    Form of the Collateral Certificate (included in Exhibit 4.6)10
    
    Administration Agreement (included in Exhibit 10.1 to the
Registrant Form 8-K filed with the Securities and Exchange
Commission on September 6, 2005, which is incorporated herein
by reference)31
    
    Certification of PNC Bank, National Association (successor to
National City Bank) pursuant to Rule 13a-14(d)/15d-14(d) under
the Securities Exchange Act of 1934.33.1
    
    Report on Assessment of Compliance with Servicing Criteria for
PNC Bank, National Association (successor to National City
Bank) as of and for the 12-month period ending December 31,
2009.33.2
    
    Report on Assessment of Compliance with Servicing Criteria for
The Bank of New York Mellon (formerly The Bank of New York)
and BNY Mellon Trust of Delaware (formerly BNYM (Delaware),
formerly The Bank of New York (Delaware)), as of and for the
12-month period ending December 31, 2009.
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ExhibitNumber
    
    Description34.1
    
    Attestation Report of PricewaterhouseCoopers LLP on Assessment
of Compliance with Servicing Criteria relating to PNC Bank,
National Association (successor to National City Bank).34.2
    
    Attestation Report of KPMG LLP on Assessment of Compliance
with Servicing Criteria relating to The Bank of New York
Mellon (formerly The Bank of New York) and BNY Mellon Trust of
Delaware (formerly BNYM (Delaware), formerly The Bank of New
York (Delaware)).35
    
    Servicer Compliance Statement of PNC Bank, National
Association (successor to National City Bank) for the 12-month
period ending December 31, 2009.
 11