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  **UNITED STATES SECURITIES AND EXCHANGE COMMISSION****Washington, D.C. 20549****FORM 10-K**(Mark One)   þ **Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934******For the fiscal year ended December 31, 2008******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** **333-126628-01** **NATIONAL CITY CREDIT CARD** **NATIONAL CITY CREDIT CARD****MASTER NOTE TRUST** **MASTER TRUST****(Exact name of issuing entity as specified in its charter)** **(Exact name of issuing entity as specified in its charter)****(Issuer of the Notes)** **(Issuer of the Collateral Certificate)****Commission File Number of depositor: 333-126628-02****NATIONAL CITY BANK****(Exact name of depositor and sponsor as specified in it charter)**   Delaware New York(State or other jurisdiction of incorporation or (State or other jurisdiction of incorporation ororganization of the issuing entity) organization of the issuing entity)   c/o National City Bank c/o National City Bank1900 East Ninth Street 1900 East Ninth StreetCleveland, Ohio 44114-3484 Cleveland, Ohio 44114-3484(Address of principal executive offices of issuing entity) (Address of principal executive offices of issuing entity)   (216) 222-2000 (216) 222-2000(Telephone number, including area code) (Telephone number, including area code)   Not Applicable Not Applicable(I.R.S. Employer Identification No.) (I.R.S. Employer Identification No.)Securities registered pursuant to Section 12(b) of the Act: noneSecurities registered pursuant to Section 12(g) of the Act: noneIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 ofthe Securities Act. Yes o No þIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 orSection 15(d) of the Act. Yes o No þIndicate by check mark whether the registrant (1) has filed all reports required to be filed bySection 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or forsuch shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days. Yes þ No oIndicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K isnot contained herein, and will not be contained, to the best of registrant’s knowledge, indefinitive proxy or information statements incorporated by reference in Part III of this Form 10-Kor any amendment to this Form 10-K. þ [Item 405 of Regulation S-K is not applicable]Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-accelerated filer, or a smaller reporting company. See the definitions of “large acceleratedfiler,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.(Check one):       Large accelerated filer o Accelerated filer o Non-accelerated filer þ Smaller reporting company o    (Do not check if a smaller reporting company)  Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of theExchange Act). Yes o No þState the aggregate market value of the voting and non-voting common equity held by non-affiliatescomputed by reference to the price at which the common equity was last sold, or the average bid andasked price of such common equity, as of the last business day of the registrant’s most recentlycompleted second fiscal quarter. Not applicable.  
 

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PART IItem 1. BusinessItem 1A. Risk FactorsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Submission of Matters to a Vote of Security HoldersItem 1B. Unresolved Staff CommentsItem 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 DateItem 7. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 7A. Quantitative and Qualitative Disclosures About MarketItem 8. Financial Statements and SupplementaryItem 9. Changes in and Disagreements With Accountants on Accounting and Financial DisclosureItem 9A. Controls and ProceduresItem 9B. Other InformationPART IIIItem 10. Directors and Executive Officers of the RegistrantItem 11. Executive CompensationItem 12. Security Ownership of Certain Beneficial Owners and ManagementItem 13. Certain Relationships and Related TransactionsItem 14. Principal Accountant 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 and Financial Statement SchedulesSIGNATUREExhibit IndexEX-31EX-33.1EX-33.2EX-34.1EX-34.2EX-35

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**PART I****The following items are omitted in accordance with General Instruction J to Form 10-K:**Item 1. BusinessItem 1A. Risk FactorsItem 2. PropertiesItem 3. Legal ProceedingsItem 4. Submission of Matters to a Vote of Security Holders**Item 1B. Unresolved Staff Comments.**     None.**Substitute information provided in accordance with General Instruction J to Form 10-K:****Item 1112(b) of Regulation AB: Significant Obligor Financial Information**     The primary asset of the issuing entity is the collateral certificate, Series 2005-CC,representing an undivided interest in the National City Credit Card Master Trust, whose assetsinclude the receivables arising in a portfolio of unsecured consumer revolving credit cardaccounts. National City Credit Card Master Trust, therefore, may be considered a significantobligor in relation to National City Credit Card Master Note Trust. Pursuant to Instruction 3.b. toItem 1112(b) of Regulation AB, the information required by Instruction J to Form 10-K in respect ofNational City Credit Card Master Trust has been disclosed in this report on Form 10-K in lieu ofthe information otherwise contemplated by Item 1112(b).     The pool assets held by National City Credit Card Master Trust do not include any significantobligors.**Item 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial Information**     There is no entity or group of affiliated entities providing enhancement or other support thatis liable or contingently liable to provide payments representing 10% or more of the cash flowsupporting any offered class of asset-backed securities.**Item 1115(b) of Regulation AB: Derivative Instrument Provider Financial Information**     There is no entity or group of affiliated entities providing derivative instruments of anaggregate significant percentage of 10% of more.**Item 1117 of Regulation AB: Legal Proceedings**     There are no pending material legal or other proceedings involving National City Bank, assponsor, depositor and servicer, National City Credit Card Master Trust and National City CreditCard Master Note Trust, each as an issuing entity, BNY Mellon Trust of Delaware (formerly BNYM(Delaware), formerly The Bank of New York (Delaware)), as master trust trustee, The Bank of NewYork Mellon (formerly The Bank of New York), as indenture trustee, Wilmington Trust Company, asowner trustee, or any other party described in Item 1117 of Regulation AB, or of which any propertyof the foregoing is the subject, that, individually or in the aggregate, would have a materialadverse impact on investors in the securities to which this report on Form 10-K relates.
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**PART II****The following items are omitted in accordance with General Instruction J to Form 10-K:**Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases ofEquity SecuritiesItem 6. Selected Financial DateItem 7. Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem 7A. Quantitative and Qualitative Disclosures About MarketItem 8. Financial Statements and SupplementaryItem 9. Changes in and Disagreements With Accountants on Accounting and Financial DisclosureItem 9A. Controls and Procedures**Item 9B. Other Information.**     None.**PART III****The following items are omitted in accordance with General Instruction J to Form 10-K:**Item 10. Directors and Executive Officers of the RegistrantItem 11. Executive CompensationItem 12. Security Ownership of Certain Beneficial Owners and ManagementItem 13. Certain Relationships and Related TransactionsItem 14. Principal Accountant Fees and Services**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**     Information required by Item 1119 of Regulation AB has been omitted from this report on Form10-K in reliance on the Instruction to Item 1119.**Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria**     Each of National City Bank, The Bank of New York Mellon (formerly The Bank of New York) andBNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware))(each, a “Servicing Participant”), has been identified by the registrant as a party participatingin the servicing function with respect to the pool assets held by each of National City Credit CardMaster Trust and National City Credit Card Master Note Trust. Each of the Servicing Participantscompleted a report on an assessment of compliance with the servicing criteria applicable to suchServicing Participant (each, a “Report on Assessment”) as of, and for the 12-month period ending,December 31, 2008, which Reports on Assessment are attached as exhibits to this Form 10-K. Inaddition, each of the Servicing Participants provided an attestation report (each, an “AttestationReport”) by a registered independent public accounting firm regarding its related Report onAssessment. Each Attestation Report is attached as an exhibit to this Form 10-K. None of theReports on Assessment or the related Attestation Reports identifies any material instances of
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noncompliance with the servicing criteria described in the related Report on Assessment asbeing applicable to such Servicing Participant with the following exception. The Report onAssessment and the Attestation Report for The Bank of New York Mellon and BNY Mellon Trust ofDelaware disclosed the following material instance of non-compliance:1122(d)(2)(i): *Payments on pool assets are deposited into the appropriate custodial bank accountsand related bank clearing accounts no more than two business days of receipt, or such other numberof days specified in the transaction agreements.*During the reporting period, certain payments on pool assets were not deposited into theappropriate segregated custodial bank account within the time frame required by the relatedtransaction documents.The segregated account for each specified series of securities was in existence prior to thetime the deposits were to be made into such account but such account was not utilized in allinstances by the Trustee as stated above. However, payments related to each specified series ofsecurities were timely remitted to the investors in such series.Existing procedures have been reviewed with staff to enable future payments to be deposited intothe segregated account for each specified series within the applicable time frames.**Item 1123 of Regulation AB: Servicer Compliance Statement**     National City Bank has been identified by the registrant as the servicer with respect to thepool assets held by each of National City Credit Card Master Trust and National City Credit CardMaster Note Trust. National City Bank provided a statement of compliance (a “Compliance Statement”)for the 12-month period ending December 31, 2008 which has been signed by an authorized officer ofNational City Bank. The Compliance Statement is attached as an exhibit to this Form 10-K.**PART IV****Item 15. Exhibits and Financial Statement Schedules**(a)(1) Not applicable.(a)(2) Not applicable.(a)(3) Not applicable.(b) The following exhibits are filed as part of this report:   Exhibit  Number Description   4.1 Pooling and Servicing Agreement dated as of June 1, 1995, asamended and restated as of July 1, 2000 (included in Exhibit 4.1to National City Credit Card Master Trust’s (the “Registrant”)Form S-3 filed with the Securities and Exchange Commission on July27, 2000, which is incorporated herein by reference)   4.2 First Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of May 24, 2001(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 7, 2001, which isincorporated herein by reference)   4.3 Second Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of August 3, 2005(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on August 8, 2005, which isincorporated herein by reference)
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   Exhibit  Number Description   4.4 Third Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of March 20, 2007(included in Exhibit 4.2 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.5 Series 2005-CC Supplement relating to the Collateral Certificate(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on September 6, 2005, whichis incorporated herein by reference)   4.6 Indenture, dated as of August 23, 2005 (included in Exhibit 4.3 tothe Registrant’s Form 8-K filed with the Securities and ExchangeCommission on September 6, 2005, which is incorporated herein byreference)   4.7 First Amendment to the Indenture, dated as of March 20, 2007(included in Exhibit 4.3 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.8 Series 2005-1 Indenture Supplement, dated as of August 23, 2005(included in Exhibit 4.4 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on September 6, 2005, whichis incorporated herein by reference)   4.9 Series 2006-1 Indenture Supplement, dated as of March 30, 2006(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on April 3, 2006, which isincorporated herein by reference)   4.10 Series 2007-1 Indenture Supplement, dated as of March 20, 2007(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.11 Series 2008-1 Indenture Supplement, dated as of May 28, 2008(included in Exhibit 4.1.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)   4.12 Series 2008-2 Indenture Supplement, dated as of May 28, 2008(included in Exhibit 4.1.2 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)   4.13 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 withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)   4.14 National City Credit Card Master Note Trust Amended and RestatedTrust Agreement, dated as of August 23, 2005 (included in Exhibit4.2 to the Registrant’s Form 8-K filed with the Securities andExchange Commission on September 6, 2005, which is incorporatedherein by reference)   4.15 First Amendment to National City Credit Card Master Note TrustAmended and Restated Trust Agreement, dated as of March 20, 2007(included in Exhibit 4.4 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.16 Form of the Series 2005-1 Notes (included in Exhibit 4.8)   4.17 Form of the Series 2006-1 Notes (included in Exhibit 4.9)   4.18 Form of the Series 2007-1 Notes (included in Exhibit 4.10)
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   Exhibit  Number Description   4.19 Form of the Series 2008-1 Notes (included in Exhibit 4.11)   4.20 Form of the Series 2008-2 Notes (included in Exhibit 4.12)   4.21 Form of the Series 2008-3 Notes (included in Exhibit 4.13)   4.22 Form of the Collateral Certificate (included in Exhibit 4.5)   10 Administration Agreement (included in Exhibit 10.1 to theRegistrant’ Form 8-K filed with the Securities and ExchangeCommission on September 6, 2005, which is incorporated herein byreference)   31 Certification of National City Bank pursuant to Rule13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934.   33.1 Report on Assessment of Compliance with Servicing Criteria forNational City Bank as of and for the 12-month period endingDecember 31, 2008.   33.2 Report on Assessment of Compliance with Servicing Criteria for TheBank of New York Mellon (formerly The Bank of New York) and BNYMellon Trust of Delaware (formerly BNYM (Delaware), formerly TheBank of New York (Delaware)), as of and for the 12-month periodending December 31, 2008.   34.1 Attestation Report of Ernst & Young LLP on Assessment ofCompliance with Servicing Criteria relating to National City Bank.   34.2 Attestation Report of KPMG LLP on Assessment of Compliance withServicing 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 National City Bank for the12-month period ending December 31, 2008.(c) Not applicable.SIGNATURE     Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934,the registrant has duly caused this report to be signed on its behalf by the undersigned, thereuntoduly authorized.       NATIONAL CITY BANK, Servicer  National City Credit Card Master Note Trust  National City Credit Card Master Trust     Date: March 24, 2009 By: /s/ Russell A. Cronin, Jr.       Name: Russell A. Cronin, Jr.  Title: Senior Vice President
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**Exhibit Index**   Exhibit  Number Description   4.1 Pooling and Servicing Agreement dated as of June 1, 1995, asamended and restated as of July 1, 2000 (included in Exhibit 4.1to National City Credit Card Master Trust’s (the “Registrant”)Form S-3 filed with the Securities and Exchange Commission on July27, 2000, which is incorporated herein by reference)   4.2 First Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of May 24, 2001(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 7, 2001, which isincorporated herein by reference)   4.3 Second Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of August 3, 2005(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on August 8, 2005, which isincorporated herein by reference)   4.4 Third Amendment to the National City Credit Card Master TrustPooling and Servicing Agreement, dated as of March 20, 2007(included in Exhibit 4.2 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.5 Series 2005-CC Supplement relating to the Collateral Certificate(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on September 6, 2005, whichis incorporated herein by reference)   4.6 Indenture, dated as of August 23, 2005 (included in Exhibit 4.3 tothe Registrant’s Form 8-K filed with the Securities and ExchangeCommission on September 6, 2005, which is incorporated herein byreference)   4.7 First Amendment to the Indenture, dated as of March 20, 2007(included in Exhibit 4.3 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.8 Series 2005-1 Indenture Supplement, dated as of August 23, 2005(included in Exhibit 4.4 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on September 6, 2005, whichis incorporated herein by reference)   4.9 Series 2006-1 Indenture Supplement, dated as of March 30, 2006(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on April 3, 2006, which isincorporated herein by reference)   4.10 Series 2007-1 Indenture Supplement, dated as of March 20, 2007(included in Exhibit 4.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.11 Series 2008-1 Indenture Supplement, dated as of May 28, 2008(included in Exhibit 4.1.1 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)   4.12 Series 2008-2 Indenture Supplement, dated as of May 28, 2008(included in Exhibit 4.1.2 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)
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   Exhibit  Number Description   4.13 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 withthe Securities and Exchange Commission on June 4, 2008, which isincorporated herein by reference)   4.14 National City Credit Card Master Note Trust Amended and RestatedTrust Agreement, dated as of August 23, 2005 (included in Exhibit4.2 to the Registrant’s Form 8-K filed with the Securities andExchange Commission on September 6, 2005, which is incorporatedherein by reference)   4.15 First Amendment to National City Credit Card Master Note TrustAmended and Restated Trust Agreement, dated as of March 20, 2007(included in Exhibit 4.4 to the Registrant’s Form 8-K filed withthe Securities and Exchange Commission on March 23, 2007, which isincorporated herein by reference)   4.16 Form of the Series 2005-1 Notes (included in Exhibit 4.8)   4.17 Form of the Series 2006-1 Notes (included in Exhibit 4.9)   4.18 Form of the Series 2007-1 Notes (included in Exhibit 4.10)   4.19 Form of the Series 2008-1 Notes (included in Exhibit 4.11)   4.20 Form of the Series 2008-2 Notes (included in Exhibit 4.12)   4.21 Form of the Series 2008-3 Notes (included in Exhibit 4.13)   4.22 Form of the Collateral Certificate (included in Exhibit 4.5)   10 Administration Agreement (included in Exhibit 10.1 to theRegistrant’ Form 8-K filed with the Securities and ExchangeCommission on September 6, 2005, which is incorporated herein byreference)   31 Certification of National City Bank pursuant to Rule13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934.   33.1 Report on Assessment of Compliance with Servicing Criteria forNational City Bank as of and for the 12-month period endingDecember 31, 2008.   33.2 Report on Assessment of Compliance with Servicing Criteria for TheBank of New York Mellon (formerly The Bank of New York) and BNYMellon Trust of Delaware (formerly BNYM (Delaware), formerly TheBank of New York (Delaware)), as of and for the 12-month periodending December 31, 2008.   34.1 Attestation Report of Ernst & Young LLP on Assessment ofCompliance with Servicing Criteria relating to National City Bank.   34.2 Attestation Report of KPMG LLP on Assessment of Compliance withServicing 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 National City Bank for the12-month period ending December 31, 2008.
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