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                                        UNITED STATES
                              SECURITIES AND EXCHANGE COMMISSION
                                    WASHINGTON, DC   20549

                                         FORM 10-K/A

(Mark One)
|_| ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

                                        or

|X| TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For Transition period January 1, 2003 through June 30, 2003.
                      --------------------------------------

Commission file number: 000-20949

                   MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                 ON BEHALF OF
                        MBNA MASTER CREDIT CARD TRUST II

            (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

   United States of America                                  51-0331-454
 (STATE OR OTHER JURISDICTION                             (I.R.S. EMPLOYER
OF INCORPORATION OR ORGANIZATION)                        IDENTIFICATION NO.)

                              Wilmington, DE. 19884-0781

             (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE:

                              (800) 362-6255

SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:

                               None

SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT:

MBNA Master Credit Card Trust II,
Series 1995-A, Series 1995-C, Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series
1997-I, Series 1997-J, Series 1997-K, Series 1998-D, Series 1999-B, Series 1999-D, Series 1999-G, Series 1999-H, Series 1999-J,
Series 1999-M, Series 2000-A, Series 2000-E, Series 2000-I, Series 2000-L.

              Fixed and Floating Rate Asset Backed Certificates

INDICATE BY CHECK MARK WHETHER THE REGISTRANT HAS (1) FILED ALL REPORTS REQUIRED TO BE FILED BY SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934 DURING THE PRECEDING 12 MONTHS (OR FOR SUCH SHORTER PERIOD THAT THE REGISTRANT WAS REQUIRED TO FILE
SUCH REPORTS) AND (2) HAS BEEN SUBJECT TO SUCH FILING REQUIREMENTS FOR THE PAST 90 DAYS.

                              Yes  [X]      No  [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not
contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part II of the Form 10-K or any amendment to this form 10-K.  |_| (Not Applicable)

Indicate by check mark whether the registrant is an accelerated filer (as defined in rule 12b-2 of the Act).  Yes |_|  No  |X|

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the
price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business
day of the registrant's most recently completed second fiscal quarter.

Registrant has no voting stock or class of common stock outstanding as of the date of this report.

Registrant has not been involved in bankruptcy proceedings during the preceding five years.

Registrant is not reporting as a corporate issuer.

                                 Documents incorporated by reference:

                          No documents are being incorporated by reference

                                       EXPLANATORY NOTE
                                       ----------------

This amendment relates to a Transition Report on Form 10-K filed by MBNA
America Bank, National Association ("MBNA"), on behalf of the MBNA Master
Credit Card Trust II, with the Securities and Exchange Commission ("SEC") on
September 30, 2003.  In the course of preparing the underlying Transition
Report for filing with the SEC through its EDGAR system, MBNA discovered
that its EDGAR software programs could not assign an electronic "tag" to the
related electronic submission identifying the certification as "Exhibit 31,"
as contemplated by recent SEC rule changes.  After unsuccessful attempts to
respond to this software incompatibility, MBNA filed the Transition Report
electronically and included an electronic tag in the electronic submission
identifying the certification as "Exhibit 99."  This amendment to the
Transition Report is being filed for the sole purpose of updating the
electronic submission to include an electronic tag that correctly identifies
the certification as "Exhibit 31."

Item 15.  Exhibits, Financial Statement Schedules, And Reports On Form 8-K
--------  ----------------------------------------------------------------

(a)  The following documents are filed as part of this Report:

    3.  Exhibits:

        31. Certification

        99.01 Annual Accountant's reports dated August 15, 2003 with respect to Series 1995-A, Series 1995-C, Series 1996-B,
         Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I, Series 1997-J,
         Series 1997-K, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-J, Series 1999-A, Series 1999-B,
         Series 1999-D, Series 1999-G, Series 1999-H, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C,
         Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series 2000-I, Series 2000-K, Series 2000-L,
         Series 2001-A, and Series 2001-B.*

        99.02 Annual Servicer's Certificate dated August 15, 2003 with respect to Series 1995-A, Series 1995-C, Series 1996-B,
         Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I, Series 1997-J,
         Series 1997-K, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-J, Series 1999-A, Series 1999-B,
         Series 1999-D, Series 1999-G, Series 1999-H, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C,
         Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series 2000-I, Series 2000-K, Series 2000-L,
         Series 2001-A, and Series 2001-B.**

---------------
*Incorporated by reference to Exhibit 99.01 to Transition Report on Form 10-K (file number 0-20949), filed with the SEC on
 September 30,2003.
**Incorporated by reference to Exhibit 99.02 to Transition Report on Form 10-K (file number 0-20949), filed with the SEC on
  September 30,2003.

(b)      Forms 8-K were filed by the registrant during the quarter ended June 30, 2003. These reports filed on April 15,
         2003, May 14, 2003, June 16, 2003, June 19, 2003, June 24, 2003, and June 30, 2003 included the following:

            Item 2.  Acquisition or Disposition of Assets

            Item 5.  Other Events

            Item 7.  Financial Statements, Pro Forma Financial
                           Information and Exhibits

            Item 8.  Change in Fiscal Year

(c)  See item 15(a) (3) above.

                                                              SIGNATURES
                                                              ----------

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, thereunto duly authorized.

                                  MBNA Master Credit Card Trust II (Registrant)
                                  By: MBNA America Bank, National Association
                                  As Servicer

Date:  October 6, 2003             By: /s/ Douglas O. Hart
                                       -------------------------------
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