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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, 2007
 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
    
    333-126628-01NATIONAL CITY CREDIT CARD
    
    NATIONAL CITY CREDIT CARDMASTER 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.)
   o þ
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  Large accelerated filer o
    
    Accelerated filer o
    
    Non-accelerated filer þ
    
    Smaller reporting company o(Do not check if a smaller reporting company)
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TABLE OF CONTENTS
 PART I
    
    
    3Item 1. Business
    
    
    3Item 1A. Risk Factors
    
    
    3Item 2. Properties
    
    
    3Item 3. Legal Proceedings
    
    
    3Item 4. Submission of Matters to a Vote of Security Holders
    
    
    3Item 1B. Unresolved Staff Comments
    
    
    3Item 1112(b) of Regulation AB: Significant Obligor Financial Information
    
    
    3Item 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial Information
    
    
    3Item 1115(b) of Regulation AB: Derivative Instrument Provider Financial Information
    
    
    3Item 1117 of Regulation AB: Legal Proceedings
    
    
    3PART II
    
    
    4Item 5. Market For Registrants Common Equity, Related Stockholder Matters and Issuer
Purchases of Equity Securities
    
    
    4Item 6. Selected Financial Date
    
    
    4Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations
    
    
    4Item 7A. Quantitative and Qualitative Disclosures About Market
    
    
    4Item 8. Financial Statements and Supplementary
    
    
    5Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure
    
    
    5Item 9A. Controls and Procedures
    
    
    5Item 9B. Other Information
    
    
    5PART III
    
    
    5Item 10. Directors and Executive Officers of the Registrant
    
    
    5Item 11. Executive Compensation
    
    
    5Item 12. Security Ownership of Certain Beneficial Owners and Management
    
    
    5Item 13. Certain Relationships and Related Transactions
    
    
    5Item 14. Principal Accountant Fees and Services
    
    
    5Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions
    
    
    5Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria
    
    
    5Item 1123 of Regulation AB: Servicer Compliance Statement
    
    
    6PART IV
    
    
    6Item 15. Exhibits and Financial Statement Schedules
    
    
    6SIGNATURE
    
    
    8EX-31EX-33.1EX-33.2EX-34.1EX-34.2EX-35EX-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 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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The following items are omitted in accordance with General Instruction J to Form 10-K:
 
  
  
  
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Item 9B. Other Information.
  
  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
  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.
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Item 1123 of Regulation AB: Servicer Compliance Statement
  
  
 Item 15. Exhibits and 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
    
    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)4.6
    
    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)4.7
    
    First Amendment to the Indenture, dated as of March 20, 2007
(included in Exhibit 4.3 to
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ExhibitNumber
    
    Descriptionthe Registrants Form 8-K filed with
the Securities and Exchange Commission on March 23, 2007, which is
incorporated 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 with
the Securities and Exchange Commission on September 6, 2005, which
is 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 with
the Securities and Exchange Commission on April 3, 2006, which is
incorporated 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 with
the Securities and Exchange Commission on March 23, 2007, which is
incorporated herein by reference.4.11
    
    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)4.12
    
    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)4.13
    
    Form of the Series 2005-1 Notes (included in Exhibit 4.8)4.14
    
    Form of the Series 2006-1 Notes (included in Exhibit 4.9)4.15
    
    Form of the Series 2007-1 Notes (included in Exhibit 4.10)4.16
    
    Form of the Collateral Certificate (included in Exhibit 4.5)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 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
National City Bank as of and for the 12-month period ending
December 31, 2007.33.2
    
    Report on Assessment of Compliance with Servicing Criteria for The
Bank of New York and BNYM (Delaware), formerly The Bank of New
York (Delaware), as of and for the 12-month period ending December
31, 2007.34.1
    
    Attestation Report of Ernst & Young LLP on Assessment of
Compliance with Servicing Criteria relating 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 and BNYM
(Delaware), formerly The Bank of New York (Delaware).35
    
    Servicer Compliance Statement of National City Bank for the
12-month period ending December 31, 2007.
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NATIONAL CITY BANK, Servicer
National City Credit Card Master Note Trust
National City Credit Card Master TrustDate: March 21, 2008
    By:
    /s/ Russell A. Cronin, Jr.Name:
    Russell A. Cronin, Jr.Title:
    Senior 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
    
    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)4.6
    
    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)4.7
    
    First Amendment to the Indenture, dated as of March 20, 2007
(included in Exhibit 4.3 to the Registrants Form 8-K filed with
the Securities and Exchange Commission on March 23, 2007, which
is incorporated 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 with
the Securities and Exchange Commission on September 6, 2005,
which is 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 with
the Securities and Exchange Commission on April 3, 2006, which is
incorporated 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 with
the Securities and Exchange Commission on March 23, 2007, which
is incorporated herein by reference.4.11
    
    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)4.12
    
    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)4.13
    
    Form of the Series 2005-1 Notes (included in Exhibit 4.8)4.14
    
    Form of the Series 2006-1 Notes (included in Exhibit 4.9)4.15
    
    Form of the Series 2007-1 Notes (included in Exhibit 4.10)
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ExhibitNumber
    
    Description4.16
    
    Form of the Collateral Certificate (included in Exhibit 4.5)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 National City Bank pursuant to Rule
13a014(d)/15d-14(d) under the Securities Exchange Act of 1934.33.1
    
    Report on Assessment of Compliance with Servicing Criteria for
National City Bank as of and for the 12-month period ending
December 31, 2007.33.2
    
    Report on Assessment of Compliance with Servicing Criteria for
The Bank of New York and BNYM (Delaware), formerly The Bank of
New York (Delaware), as of and for the 12-month period ending
December 31, 2007.34.1
    
    Attestation Report of Ernst & Young LLP on Assessment of
Compliance with Servicing Criteria relating 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 and BNYM
(Delaware), formerly The Bank of New York (Delaware).35
    
    Servicer Compliance Statement of National City Bank for the
12-month period ending December 31, 2007.
 10