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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, 2002

              [ ] 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 ___ No ___

                                 Not Applicable

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 issurers, 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, 2002.

                   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

                   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
          AND RELATED STOCKHOLDER MATTERS

         (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, 2002, 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       Deutsche Bank Trust Company Americas                            50,000,000          10%
                             Harris Trust and Savings Bank                                   50,000,000          10%
                             JP Morgan Chase Bank                                            80,325,000          15%
                             Merrill Lynch, Pierce Fenner & Smith Safekeeping                85,000,000          16%
                             State Street Bank and Trust Company                            241,254,000          46%

Series 2000-1, Class B       Bank One Trust Company, N.A.                                    18,000,000          50%
                             Mizuho Trust & Banking Co. (USA)                                18,000,000          50%

Series 2001-1, Class A       Boston Safe Deposit and Trust Company                           25,000,000           7%
                             JP Morgan Chase Bank                                           120,750,000          32%
                             State Street Bank and Trust Company                            222,549,000          60%

Series 2001-1, Class B       Deutsche Bank Trust Company Americas                             3,000,000          12%
                             JP Morgan Chase Bank                                            15,500,000          60%
                             Salomon Smith Barney Inc./Salomon Brothers                       3,500,000          14%
                             SSB - Bank Portfolio                                             3,500,000          14%

Series 2002-1, Class A       Bank of New York (The)                                          41,875,000          11%
                             The Bank of New York/Credit Agricole                            20,000,000           5%
                             Boston Safe Deposit and Trust Company                           79,404,000          21%
                             JP Morgan Chase Bank                                           135,000,000          36%
                             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       Bank One Trust Company, N.A.                                     6,000,000          24%
                             JP Morgan Chase Bank                                            10,000,000          39%
                             State Street Bank and Trust Company                              2,500,000          10%
                             SSB - Bank Portfolio                                             7,000,000          27%
</TABLE>

   (b) Not Applicable

   (c) Not Applicable

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Item 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

          Not Applicable

Item 14.  CONTROLS AND PROCEDURES

          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 99.1: Annual Servicer's Certificate

              Exhibit 99.2: Series 2000-1 Annual Certificateholders' Statement
              for the year ended December 31, 2002.

              Exhibit 99.3: Series 2001-1 Annual Certificateholders' Statement
              for the year ended December 31, 2002.

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

              Exhibit 99.5: Annual Servicing Report for Series 2000-1 in the
              form of Independent Accountants' Report on Applying Agreed-Upon
              Procedures prepared by Ernst & Young LLP.

              Exhibit 99.6: Annual Servicing Report for Series 2001-1 in the
              form of Independent Accountants' Report on Applying Agreed-Upon
              Procedures prepared by Ernst & Young LLP.

              Exhibit 99.7: Annual Servicing Report for Series 2002-1 in the
              form Of Independent Accountants Report on Applying Agreed-upon
              Procedures prepared by Ernst & Young LLP.

          (b) The Registrant filed the following Current Reports on Form 8-K for
              the fourth quarter of 2002.

              DATE OF REPORT         ITEMS COVERED

              October 15, 2002    Item 7-Monthly Certificateholders'
              November 15, 2002   Statement with respect to distributions
              December 16, 2002   made on October 15, 2002, November 15,
                                  2002 and December 16, 2002.

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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 31, 2003          By: /s/ William F. Smith
                                  ------------------------------
                              Name: William F. Smith
                              Title: Executive Vice President-
                                      Credit Card Finance

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                                 CERTIFICATION

I, Thomas A. Chandler, certify that:

1. I have reviewed this annual report on Form 10-K, and all reports on Form 8-K
containing distribution or servicing reports filed in respect of periods
included in the year covered by this annual report, of National City Credit Card
Master Trust;

2. Based on my knowledge, the information in these reports, taken as a whole,
does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading as of the
last day of the period covered by this annual report;

3. Based on my knowledge, the distribution or servicing information required to
be provided to the trustee by the servicer under the pooling and servicing, or
similar, agreement, for inclusion in these reports is included in these reports;

4. I am responsible for reviewing the activities performed by the servicer under
the pooling and servicing, or similar, agreement and based upon my knowledge and
the annual compliance review required under that agreement, and except as
disclosed in the reports, the servicer has fulfilled its obligations under that
agreement; and

5. The reports disclose all significant deficiencies relating to the servicer's
compliance with the minimum servicing standards based upon the report provided
by an independent public accountant, after conducting a review in compliance
with the Uniform Single Attestation Program for Mortgage Bankers or similar
procedure, as set forth in the pooling and servicing, or similar, agreement,
that is included in these reports.

Date: March 31, 2003

/s/ Thomas A. Chandler
----------------------
Thomas A. Chandler
Senior Vice President - Credit Card Finance
National City Bank