UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington, D. C.
20549 FORM 10-K (Mark
One) [X] ANNUAL REPORT PURSUANT TO SECTION 13
OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31,
2004  or  [  ] TRANSITION REPORT PURSUANT TO
SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________
to _________ Commission File No.
333-73728-01 and 333-73728-02 Fleet Credit Card Funding Trust on behalf of Fleet Credit Card Master Trust II (formerly ADVANTA Credit Card Master Trust
II) (Exact name of registrant as specified in its
charter)  Delaware
    23-3101310(State or other jurisdiction of
      incorporation or organization)
    (I.R.S. Employer Identification
      No.)  300 North Wakefield Drive, Newark, Delaware 19702(Address of
principal executive offices) (Zip Code)  Registrant's telephone number, including area code (302)
266-5004   Securities registered pursuant to
Section 12(b) of the Act: Title of each classNone
    Name of each exchange on which registeredN/A Securities registered pursuant to
Section 12(g) of the Act: Title of each classNone
    Name of each exchange on which registeredN/A 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 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 [
]. 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 prices of such common equity, as of the last business day of the
registrant's most recently completed second fiscal quarter: None   Documents Incorporated By
Reference:  No documents incorporated by
reference.   INTRODUCTORY NOTE The Fleet Credit Card Master Trust II
(the "Trust") was formed pursuant to a Pooling and Servicing Agreement dated as
of December 1, 1993. That Pooling and Servicing Agreement has been amended
numerous times and was most recently amended and restated as of January 1, 2002
and amended by Amendment Number 1 thereto, dated as of April 1, 2002 (as so amended
and restated, (the "Pooling and Servicing Agreement")). The Pooling and Servicing
Agreement as so amended and restated is among Fleet Credit Card Funding Trust,
as transferor (the "Transferor"), Bank of America, National Association (USA)
(as successor to Fleet Bank (RI), National
Association), as servicer, and Deutsche Bank Trust Company Americas, as trustee
(the "Trustee"). The Trust is the Issuer of the
following certificates which were outstanding during some or all of 2004: Class
A Floating Rate Asset Backed Certificates, Series 1996-B ("Series 96-B Class
A"), Class B Floating Rate Asset Backed Certificates, Series 1996-B ("Series
96-B Class B"), Class A Floating Rate Asset Backed Certificates, Series 1999-B
("Series 99-B Class A"), Class B Floating Rate Asset Backed Certificates, Series
1999-B ("Series 99-B Class B"), Class A Fixed Rate Asset Backed Certificates,
Series 1999-C ("Series 99-C Class A"), Class B Fixed Rate Asset Backed
Certificates, Series 1999-C ("Series 99-C Class B"), Class A Floating Rate Asset
Backed Certificates, Series 1999-D ("Series 99-D Class A"), Class B Fixed Rate
Asset Backed Certificates, Series 1999-D ("Series 99-D Class B"), Class A Fixed
Rate Asset Backed Certificates, Series 2000-C ("Series 00-C Class A"), Class B
Floating Rate Asset Backed Certificates, Series 2000-C ("Series 00-C Class B"),
Class A Floating Rate Asset Backed Certificates, Series 2000-D ("Series 00-D
Class A"), Class B Floating Rate Asset Backed Certificates, Series 2000-D
("Series 00-D Class B"), Class A Floating Rate Asset Backed Certificates, Series
2001-A ("Series 01-A Class A"), Class A Fixed Rate Asset Backed Certificates,
Series 2001-B ("Series 01-B Class A"), Class B Fixed Rate Asset Backed
Certificates, Series 2001-B ("Series 01-B Class B"), Class A Fixed Rate Asset
Backed Certificates, Series 2001-C ("Series 01-C Class A"), Class B Fixed Rate
Asset Backed Certificates, Series 2001-C ("Series 01-C Class B"), Class A
Floating Rate Asset Backed Certificates, Series 2002-A ("Series 02-A Class A"),
Class B Floating Rate Asset Backed Certificates, Series 2002-A ("Series 02-A
Class B"), Class A Floating Rate Asset Backed Certificates, Series 2002-B
("Series 02-B Class A"), Class B Floating Rate Asset Backed Certificates, Series
2002-B ("Series 02-B Class B"), Class A Fixed Rate Asset Backed Certificates,
Series 2002-C ("Series 02-C Class A"), Class B Floating Rate Asset Backed
Certificates, Series 2002-C ("Series 02-C Class B"), Class A Fixed Rate Asset
Backed Certificates, Series 2003-A ("Series 03-A Class A"), Class B Floating
Rate Asset Backed Certificates, Series 2003-A ("Series 03-A Class
B"). Certain terms used but not defined in
this Form 10-K Annual Report have the meanings defined in the Pooling and
Servicing Agreement; filed as Exhibit 4.3 to the Registrant's Registration
Statement on Form S-3 (No. 333-73728-01), and filed as Exhibit 4.2 to the
Form 8-K filed on May 21, 2002 by Fleet Credit Card Funding Trust.   PART I Item 1.
Business. Not applicable.  Item 2.
Properties. Information concerning the Trust is
set forth in the Current Reports on Form 8-K dated February 17, 2004 through
January 18, 2005, as filed by the Registrant. As of December 31, 2004,
approximately 1.18% of the accounts and 4.34% of the Principal Receivables in
the Trust were 30 days or more delinquent. Of such amount, Accounts designated
to the Trust having a principal balance of $109,670,841, or approximately 1.16%
of all Principal Receivables were delinquent 30-59 days; Accounts designated to
the Trust having a principal balance of $92,915,658, or approximately 0.98% of
all Principal Receivables were delinquent 60-89 days; and Accounts designated to
the Trust having a principal balance of $207,597,091, or approximately 2.20% of
all Principal Receivables were delinquent 90 days or more. The aggregate Investor Default Amount
for the year ended December 31, 2004 was $708,120,188. There were no Investor
Charge-offs for the year ended December 31, 2004. Set forth below is certain
information with respect to the outstanding series of Certificates. Supplemental
Trust Information is presented in Exhibit 99.1 to this Annual Report.   Series/Class
    Monthly Period Ended
    Receivables Charged Off as Uncollectible with Respect to
      the Participation Interests of Certificateholders
    Charge-offs as a % of Receivables Outstanding on an Annualized
      BasisSeries 99-C Class
    A
    December 31, 2004
    $0.00
    0.00%November 30, 2004
    $0.00
    0.00%October 31, 2004
    $1,839,295.23
    8.73%Series 99-C Class
    B
    December 31, 2004
    $0.00
    0.00%November 30, 2004
    $0.00
    0.00%October 31, 2004
    $147,366.10
    8.73%Series 99-D Class
    A
    December 31, 2004
    $0.00
    0.00%November 30, 2004
    $0.00
    0.00%October 31, 2004
    $3,558,613.49
    8.73%Series 99-D Class
    B
    December 31, 2004
    $0.00
    0.00%November 30, 2004
    $0.00
    0.00%October 31, 2004
    $327,472.43
    8.73%Series 00-C Class
    A
    December 31, 2004
    $4,141,593.03
    9.38%November 30, 2004
    $3,807,963.79
    8.63%October 31, 2004
    $3,855,105.91
    8.73%Series 00-C Class
    B
    December 31, 2004
    $381,153.62
    9.38%November 30, 2004
    $350,403.30
    8.63%October 31, 2004
    $354,791.15
    8.73%Series 00-D Class
    A
    December 31, 2004
    $5,734,602.91
    9.38%November 30, 2004
    $5,272,554.86
    8.63%October 31, 2004
    $5,337,849.79
    8.73%Series 00-D Class
    B
    December 31, 2004
    $527,684.05
    9.38%November 30, 2004
    $485,220.58
    8.63%October 31, 2004
    $491,243.82
    8.73%Series 01-A Class
    A
    December 31, 2004
    $6,127,385.94
    9.38%November 30, 2004
    $5,633,713.73
    8.63%October 31, 2004
    $5,703,554.32
    8.73%Series 01-B Class
    A
    December 31, 2004
    $5,347,561.95
    9.38%November 30, 2004
    $4,916,672.27
    8.63%October 31, 2004
    $4,977,637.13
    8.73%Series 01-B Class
    B
    December 31, 2004
    $375,266.22
    9.38%November 30, 2004
    $345,059.31
    8.63%October 31, 2004
    $349,299.24
    8.73%Series 02-A Class
    A
    December 31, 2004
    $5,159,965.17
    9.38%November 30, 2004
    $4,744,176.43
    8.63%October 31, 2004
    $4,803,022.78
    8.73%Series 02-A Class
    B
    December 31, 2004
    $437,701.59
    9.38%November 30, 2004
    $402,557.92
    8.63%October 31, 2004
    $407,527.50
    8.73%Series 02-B Class
    A
    December 31, 2004
    $4,837,467.32
    9.38%November 30, 2004
    $4,447,686.53
    8.63%October 31, 2004
    $4,502,798.63
    8.73%Series 02-B Class
    B
    December 31, 2004
    $410,445.20
    9.38%November 30, 2004
    $377,393.83
    8.63%October 31, 2004
    $382,039.43
    8.73%Series 02-C Class
    A
    December 31, 2004
    $4,984,070.47
    9.38%November 30, 2004
    $4,582,436.22
    8.63%October 31, 2004
    $4,639,251.34
    8.73%Series 02-C Class
    B
    December 31, 2004
    $351,789.35
    9.38%November 30, 2004
    $323,480.40
    8.63%October 31, 2004
    $327,472.43
    8.73%Series 03-A Class
    A
    December 31, 2004
    $4,984,070.47
    9.38%November 30, 2004
    $4,582,436.22
    8.63%October 31, 2004
    $4,639,251.34
    8.73%Series 03-A Class
    B
    December 31, 2004
    $351,789.35
    9.38%November 30, 2004
    $323,480.40
    8.63%October 31, 2004
    $327,472.43
    8.73%   Item 3. Legal
Proceedings. There are no material pending legal
proceedings with respect to the Trust, involving either the Trust, the Trustee,
Fleet Credit Card Funding Trust or Bank of America, National Association (USA)
as successor to Fleet Bank (RI), National Association, other than ordinary or
routine litigation incidental to the Trustee's, Fleet Credit Card Funding
Trust's or Bank of America, National Association (USA)'s duties under the
Pooling and Servicing Agreement.  Item 4. Submission of Matters
to a Vote of Security Holders. None.   PART II Item 5. Market for the
Registrant's Common Equity and Related Stockholder Matters. (a) There is no established public
trading market for the Certificates. (b) At December 31, 2004 there were
twenty-six (26) holders of record of the Series 00-C Class A Certificates, three
(3) holders of record of the Series 00-C Class B Certificates, twenty-nine (29)
holders of record of the Series 00-D Class A Certificates, three (3) holders of
record of the Series 00-D Class B Certificates, thirteen (13) holders of record
of the Series 01-A Class A Certificates, forty-one (41) holders of record of the
Series 01-B Class A Certificates, six (6) holders of record of the Series 01-B
Class B Certificates, nineteen (19) holders of record of the Series 02-A Class A
Certificates, five (5) holders of record of the Series 02-A Class B
Certificates, twenty-two (22) holders of record of the Series 02-B Class A
Certificates, four (4) holders of record of the Series 02-B Class B
Certificates, fifty-five (55) holders of record of the Series 02-C Class A
Certificates, three (3) holders of record of the Series 02-C Class B
Certificates, thirty-nine (39) holders of record of the Series 03-A Class A
Certificates and four (4) holders of record of the Series 03-A Class B
Certificates.   (c) Not applicable.   Item 6. Selected
Financial Data. Not applicable.  Item 7. Management's Discussion
and Analysis of Financial Condition and Results of Operation. Not applicable.  Item 7A. Quantitative and
Qualitative Disclosure 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.  Item 9B. Other Information. 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 and Related Stockholder Matters. 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, and an investor holding an
interest in the Trust is not entitled to receive a certificate representing such
interest except in limited circumstances set forth in the Pooling and Servicing
Agreement. Accordingly, Cede & Co. is the sole holder of record of the
Certificates, which it holds on behalf of brokers, dealers, banks and other
direct participants in the Depository Trust Company system. Such direct
participants may hold Certificates for their own accounts or for the accounts of
their customers. The name and address of Cede & Co. is Cede & Co., c/o
the Depository Trust Company, 55 Water Street, New York, New York 10041. At
December 31, 2004, the following direct Depository Trust Company participants
positions held in Certificates representing interests in the Trust equal to or
exceeding 5% of the total principal amount of the Certificates of each Series
outstanding on the date. The information on positions held by the Depository
Trust Company participants has been provided by the Depository Trust
Company.    (a)(ix) Each holder of record
at December 31, 2004 of more than five percent (5%) of the Series 00-C Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl
      12Dallas, TX 75254
    24.69%
    $130,771Investors Bank &
      Trust Company Corporate Actions Unit/Top 57 200 Clarendon St 9th
      Fl Boston, MA 02116
    21.32%
    $112,941State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    13.85%
    $73,377The Bank of New York
      One Wall Street New York, NY 10286
    12.24%
    $64,831Mellon Trust of New
      England, NA 525 William Penn Place Suite 3418 Pittsburgh, PA 15259
    5.02%
    $26,582   (a)(x) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 00-C Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX
      75254
    57.44%
    $28,000The Northern Trust
      Company 801 S. Canal C-IN Chicago, IL 60607
    22.05%
    $10,750Pershing,
      LLC/International Services Division One Pershing Plaza Jersey
      City, NJ 07399
    20.51%
    $10,000   (a)(xi) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 00-D Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    41.58%
    $304,968UBS AG 677
      Washington Boulevard Stamford, CT 06901
    18.44%
    $135,250JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    13.49%
    $98,980The Bank of New York
      One Wall Street New York, NY 10286
    12.36%
    $90,643   (a)(xii) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 00-D Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    74.81%
    $50,500The Bank of New York
      One Wall Street New York, NY 10286
    14.81%
    $10,000Merrill Lynch, Pierce
      Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ
      08854
    10.37%
    $7,000   (a)(xiii) Each holder of record at December
31, 2004 of more than five percent (5%) of the Series 01-A Class A Certificates
is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    46.80%
    $366,799The Bank of New York
      One Wall Street New York, NY 10286
    18.87%
    $147,915JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    14.64%
    $114,710The Northern Trust
      Company 801 South Canal C-IN Chicago, IL 60607
    10.33%
    $80,951   (a)(xiv) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 01-B Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)Mellon Trust of New
      England, NA 525 William Penn Place, Suite 3418 Pittsburgh, PA
      15259
    35.31%
    $241,519State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    14.10%
    $96,433Harris Trust and
      Savings Bank 111 W. Monroe Street Chicago, IL 60603
    11.84%
    $80,975JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl
      12Dallas, TX 75254
    11.30%
    $77,261   (a)(xv) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 01-B Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    39.58%
    $19,000The Bank of New York
      One Wall Street New York, NY 10286
    20.83%
    $10,000JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    20.83%
    $10,000Wachovia Bank NA-
      Philadelphia Main 530 Walnut Street 1st Floor Philadelphia, PA
      19101
    13.54%
    $6,500Mellon Trust of New
      England, NA 525 William Penn Place, Suite 3418 Pittsburgh, PA
      15259
    5.13%
    $2,460   (a)(xviii) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-A Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    33.75%
    $222,764The Northern Trust
      Company 801 South Canal C-IN Chicago, IL 60607
    26.52%
    $175,045JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 21
      Dallas, TX 75254
    22.83%
    $150,657Mellon Trust of New
      England, NA 525 William Penn Place, Suite 3418 Pittsburgh, PA
      15259
    5.64%
    $37,230   (a)(xix) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-A Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    58.93%
    $33,000Citigroup Global
      Markets/Saloman Brothers 333 W 34th Street, 3rd Floor New York, NY
      10001
    13.21%
    $7,400Citibank, NA 3800
      Citibank Center B3-15 Tampa, FL 33610
    10.00%
    $5,600The Northern Trust
      Company 801 South Canal C-IN Chicago, IL 60607
    8.93%
    $5,000State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    8.93%
    $5,000   (a)(xx) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-B Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)Mellon Trust of New
      England, NA 525 William Penn Place, Suite 3418 Pittsburgh, PA
      15259
    23.29%
    $144,085JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    22.96%
    $142,080The Bank of New York
      One Wall Street New York, NY 10286
    18.66%
    $115,430State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    8.24%
    $51,000JPMorgan Correspondent
      Clearing 14201 Dallas Parkway Fl 12 Dallas, TX 75254
    8.08%
    $50,000Citibank, NA 3800
      Citibank Center B3-15 Tampa, FL 33610
    7.96%
    $49,250   (a)(xxi) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-B Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)Citibank, NA 3800
      Citibank Center B3-15 Tampa, FL 33610
    37.95%
    $19,925Sumitomo Trust and
      Banking Co. (USA) 527 Madison Avenue New York, NY 10022
    33.33%
    $17,500The Bank of New York
      One Wall Street New York, NY 10286
    28.57%
    $15,000   (a)(xxii) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-C Class A
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    27.54%
    $175,545Investors Bank &
      Trust Company Corporate Actions Unit/Top57 200 Clarendon St 9th Fl
      Boston, MA 02116
    12.19%
    $77,689State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    10.61%
    $67,631SSB Bank Portfolio
      1776 Heritage Drive North Quincy, MA 02171
    7.58%
    $48,350Citibank, NA 3800
      Citibank Center B3-15 Tampa, FL 33610
    7.47%
    $47,650The Bank of New York
      One Wall Street New York, NY 10286
    7.27%
    $46,371The Northern Trust
      Company 801 South Canal C-IN Chicago, IL 60607
    6.76%
    $43,068Mellon Trust of New
      England, NA 525 William Penn Place Suite 3418 Pittsburgh, PA 15259
    6.40%
    $40,788   (a)(xxiii) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 02-C Class B
Certificates is indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)Bank of
      Tokyo-Mitsubishi Trust Company Trust Operations Department Plaza 3
      5th Floor Harborside Financial Center Jersey City, NJ
      07311-1904
    44.44%
    $20,000Sumitomo Trust and
      Banking Co. (USA) 527 Madison Avenue New York, NY 10022
    33.33%
    $15,000JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    22.22%
    $10,000   (a)(xxiv) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 03-A Class A
Certificates indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)The Bank of New York
      One Wall Street New York, NY 10286
    20.85%
    $132,943State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    18.34%
    $116,895JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    17.56%
    $111,935Mellon Trust of New
      England, NA 525 William Penn Place Suite 3418 Pittsburgh, PA 15259
    10.34%
    $65,932Harris Trust and
      Savings Bank 111 W. Monroe Street Chicago, IL 60603
    5.96%
    $38,000   (a)(xxv) Each holder of record at
December 31, 2004 of more than five percent (5%) of the Series 03-A Class B
Certificates indicated below: Name and Address of
      Holder
    Percent of
      Certificates Held
    Dollar
      Amount of Certificates Held (000's)JPMorgan Chase Bank
      Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Fl 12
      Dallas, TX 75254
    68.89%
    $31,000The Northern Trust
      Company 801 South Canal C-IN Chicago, IL 60607
    14.44%
    $6,500State Street Bank and
      Trust Company Global Corporate Action Unit JAB 5NW 1776 Heritage
      Drive North Quincy, MA 02171
    11.11%
    $5,000Investors Bank &
      Trust Company Corporate Actions Unit/Top57 200 Clarendon St 9th Fl
      Boston, MA 02116
    5.56%
    $2,500   (b) Not applicable. (c) Not applicable.  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. (a) (1)
    None(2)
    None(3)
    Exhibit
      3.1
    Certification
      pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant
      rules and regulations of the CommissionExhibit
      99.1
    Supplementary
      Trust Data relating to performance of the TrustExhibit
      99.2
    Annual
      Servicer's CertificateExhibit
      99.3
    Reports of
      Independent AccountantsExhibit
      99.4
    Reports of Management
      on Internal Control over the Servicing of Securitized Credit Card
      Receivables and on Compliance with Specified Servicing Requirements  (b) Reports on Form 8-K The following reports on Form 8-K
were filed by the registrant with respect to Monthly Periods and events
occurring during the year ended December 31, 2004: Date
    Items
    Description01/15/04
    2
    Monthly Reports for December 200302/17/04
    2
    Monthly Reports for January 200403/15/04
    2
    Monthly Reports for February 200404/15/04
    2
    Monthly Reports for March 200405/17/04
    2
    Monthly Reports for April 200406/15/04
    2
    Monthly Reports for May 200407/15/04
    2
    Monthly Reports for June 200408/16/04
    2
    Monthly Reports for July 200409/15/04
    9.01
    Monthly Reports for August 200410/15/04
    9.01
    Monthly Reports for September 200411/15/04
    9.01
    Monthly Reports for October 200412/15/04
    9.01
    Monthly Reports for November 2004  (c) Exhibits Exhibit No.
    Description of
      Exhibit3.1
    Certification pursuant to
      Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and
      regulations of the Commission99.1
    Supplementary Trust
      Data99.2
    Annual Servicer's
      Certificate99.3
    Reports of Independent
      Accountants99.4
    Reports of Management
      on Internal Control over the Servicing of Securitized Credit Card
      Receivables and on Compliance with Specified Servicing Requirements  (d) Not applicable. No annual report
or proxy material has been sent to security holders.  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. Fleet Credit Card Funding
      TrustOn behalf of Fleet Credit Card
      Master Trust IIDated: March 18,
    2005By:/s/ ELIZABETH BUIEElizabeth BuieSenior Vice
  President   INDEX TO EXHIBITS Exhibit Number
    Description of
      Exhibit3.1
    Certification
      pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant
      rules and regulations of the Commission99.1
    Supplementary Trust
      Data99.2
    Annual Servicer's
      Certificate99.3
    Reports of
      Independent Accountants99.4
    Reports of Management
      on Internal Control over the Servicing of Securitized Credit Card
      Receivables and on Compliance with Specified Servicing Requirements