Exhibit 99.31 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-J KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 9/15/03 Blended Coupon 5.3872% Excess Protection Level 3 Month Average 5.89% January, 2001 7.59% December, 2000 2.23% November, 2000 7.85% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 7.43% Over 30 Day Delinquency 4.88% Seller's Interest11.58% Total Payment Rate14.47% Total Principal Balance$57,905,967,832.59 Investor Participation Amount$750,000,000.00 Seller Participation Amount$6,705,277,271.10