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                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 10-K

              [X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934

                   For the fiscal year ended December 31, 2003

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

                         Commission File No.: 000-26342

                     NATIONAL CITY CREDIT CARD MASTER TRUST
             (Exact name of registrant as specified in its charter)

             UNITED STATES                             N/A
     (State or other jurisdiction               (I.R.S. Employer
           of incorporation)                    Identification No.)

         NATIONAL CITY CENTER
        1900 EAST NINTH STREET
            CLEVELAND, OHIO                             44114-3484
(Address of principal executive offices)                (ZIP Code)

                                 (216) 222-2000
              (Registrant's telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act: None
Securities registered pursuant to Section 12(g) of the Act:

                     National City Credit Card Master Trust

         CLASS A FLOATING RATE ASSET BACKED CERTIFICATES, SERIES 2000-1
         CLASS A FLOATING RATE ASSET BACKED CERTIFICATES, SERIES 2001-1
         CLASS A FLOATING RATE ASSET BACKED CERTIFICATES, SERIES 2002-1

                                (Title of Class)

Indicate by check mark whether the Registrant (1) has 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 (S) 229.405 of this chapter) 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 III of this 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 [X] No [ ]


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.

                                 Not Applicable

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                                INTRODUCTORY NOTE

National City Bank is the Seller and Servicer under a Pooling and Servicing
Agreement dated as of June 1, 1995, as amended and restated as of July 1, 2000,
among National City Bank, as Seller and Servicer, and the Bank of New York, as
trustee (the "Trustee"), as supplemented by the Series 2000-1, Series 2001-1,
and Series 2002-1 Supplements, dated as of August 24, 2000, January 31, 2001,
and January 31, 2002, respectively, providing for the issuance of certificates
in series (the "Certificates"). Each Certificate represents an undivided
interest in a pool of receivables held by the National City Credit Card Master
Trust (the "Trust"). The Certificates issued, or to be issued, may be senior
("Class A Certificates"), subordinated ("Class B Certificates"), and Seller
Certificate(s). National City Bank, as originator of the Trust has prepared, on
behalf of the Trust, this Annual Report on Form 10-K in reliance upon various
no-action letters issued by the Securities and Exchange Commission. Items
designated herein as "Not Applicable", except for Item 14 for which disclosure
is not required for asset-backed issuers, have been omitted as a result of this
reliance.

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                   PART I

Item 1.   BUSINESS

          Not Applicable

Item 2.   PROPERTIES

          Not Applicable

Item 3.   LEGAL PROCEEDINGS

          The registrant is not aware of any material pending legal proceedings
          involving either itself, the Seller/Servicer, or the Trustee with
          respect to the Certificates or the Registrant's property.

Item 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

          No vote or consent of the holders of the Certificates (the
          "Certificateholders") was solicited for any purpose during the year
          ended December 31, 2003.

                   PART II

Item 5.   MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

          To the best knowledge of the registrant, there is no established
          public trading market for the Certificates. Each class of Certificates
          is represented by one or more certificates registered in the name of
          Cede & Co., the nominee of the Depository Trust Company ("DTC").

Item 6.   SELECTED FINANCIAL DATA

          Not Applicable

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Item 7.   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          RESULTS OF OPERATIONS

          Not Applicable

Item 7a.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

          Not Applicable

Item 8.   FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

          Not Applicable

Item 9.   CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
          FINANCIAL DISCLOSURE

          None

Item 9A.  CONTROLS AND PROCEDURES

          Not Applicable


                   PART III

Item 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

          Not Applicable

Item 11.  EXECUTIVE COMPENSATION

          Not Applicable

Item 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

         (a) Each class of Certificates is represented by one or more
             certificates registered in the name of Cede & Co., the nominee of
             DTC, and an investor holding an interest in the Trust is not
             entitled to receive a

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             Certificate representing such interest except in limited
             circumstances. Accordingly, Cede & Co. is the sole holder of record
             of Certificates, which it holds on behalf of brokers, dealers,
             banks and other direct participants in the DTC system. Such direct
             participants may hold Certificates for their own account or for the
             accounts of their customers. At December 31, 2003, the following
             direct DTC participants held positions in certificates representing
             interest in the Trust equal to or exceeding 5% of the total
             principal amount of each series outstanding on that date. The
             address of each of the participants listed below is: C/O The
             Depository Trust Company, 55 Water Street, 49th Floor, New York,
             New York 10041.

<TABLE>
<CAPTION>
                                                                                         Amount of
                                                                                         Beneficial      Percent
Title of Class                 Name of Beneficial Owner                                  Ownership       of Class
--------------                 ------------------------                                  ----------     ----------

<S>                            <C>                                                      <C>                 <C>
Series 2000-1, Class A         Harris Trust and Savings Bank                              50,000,000         10%
                               JP Morgan Chase Bank                                      110,325,000         21%
                               Merrill Lynch, Pierce, Fenner & Smith Incorporated         85,000,000         16%
                               State Street Bank and Trust Company                       260,509,000         50%

Series 2000-1, Class B         Bank of New York (The)                                     18,000,000         50%
                               JP Morgan Chase Bank                                       18,000,000         50%

Series 2001-1, Class A         Boston Safe Deposit and Trust Company                      25,000,000          7%
                               JP Morgan Chase Bank                                      124,201,000         33%
                               State Street Bank and Trust Company                       222,549,000         60%

Series 2001-1, Class B         Bank of New York (The)                                     16,500,000         65%
                               JP Morgan Chase Bank                                        9,000,000         35%

Series 2002-1, Class A         Bank of New York (The)                                     41,875,000         11%
                               Boston Safe Deposit and Trust Company                      79,000,000         21%
                               JP Morgan Chase Bank                                      172,500,000         46%
                               Merrill Lynch, Pierce, Fenner & Smith Safekeeping          35,000,000          9%
                               State Street Bank and Trust Company                        25,000,000          7%


Series 2002-1, Class B         BNY Clearing International Services Division                6,000,000         23%
                               JP Morgan Chase Bank                                       17,000,000         67%
                               State Street Bank and Trust Company                         2,500,000         10%

</TABLE>



         (b) Not Applicable

         (c) Not Applicable

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Item 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

          Not Applicable

Item 14.  PRINCIPAL ACCOUNTING FEES AND SERVICES

          Not Applicable

                   PART IV

Item 15.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

          (a) The following documents are filed as a part of the report:

              Exhibit 31: Sarbanes-Oxley Act 302 Certification dated March 15,
              2004 for National City Credit Card Master Trust Annual Report on
              Form 10-K for the year ended December 31, 2003.

              Exhibit 99.1: Annual Servicer's Certificate

              Exhibit 99.2: Series 2000-1 Annual Certificateholders' Statement
              for the year ended December 31, 2003.

              Exhibit 99.3: Series 2001-1 Annual Certificateholders' Statement
              for the year ended December 31, 2003.

              Exhibit 99.4: Series 2002-1 Annual Certificateholders' Statement
              for the year ended December 31, 2003.

              Exhibit 99.5: Report of Independent Accountants.

          (b) The Registrant filed the following Current Reports on Forms 8-K,
              as amended, for the fourth quarter of 2003 and through the date of
              this Form 10-K filing.

<TABLE>
<CAPTION>
 DATE OF REPORT              ITEMS COVERED
<S>                  <C>
October 15, 2003     Item 7-Monthly Certificateholders'
November 17, 2003    Statement with respect to distributions
December 15, 2003    made on October 15, 2003, November 17,
January 15, 2004     2003, December 15, 2003, January 15, 2004
February 17, 2004    and February 17, 2004.

April 15, 2003       Item 7-Monthly Certificateholders' Statements,
May 15, 2003         as amended, with respect to distributions made
September 15, 2003   on April 15, 2003, May 15, 2003, September 15,
October 15, 2003     2003 and October 15, 2003.
</TABLE>

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                                   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.

                              NATIONAL CITY BANK, on behalf of the
                              National City Credit Card Master Trust

Date: March 15, 2004          By: /s/ William F. Smith
                                  ------------------------------
                              Name: William F. Smith
                              Title: Executive Vice President-
                                      Credit Card Finance