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                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report (date of earliest event reported):     January 15, 2004


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               on behalf of the
                      MBNA MASTER CREDIT CARD TRUST II
            (Exact name of registrant as specified in its charter)



  United States                    333-104089                 51-0331454
- -----------------        -----------------------------       ----------
(State or other               (Commission File           (IRS Employee
jurisdiction of                    Number)          Identification No.)
incorporation)


                              Wilmington, DE 19884-0781
- -----------------------------------------------------------------------
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------


Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS


The following are filed as Exhibits to this Report under Exhibit 20:

20.1. Series 1995-A Certificateholders' Statement for the month
ended December 31, 2003.

20.2. Series 1995-C Certificateholders' Statement for the month
ended December 31, 2003.

20.3. Series 1996-B Certificateholders' Statement for the month
ended December 31, 2003.

20.4. Series 1996-G Certificateholders' Statement for the month
ended December 31, 2003.

20.5. Series 1996-M Certificateholders' Statement for the month
ended December 31, 2003.

20.6. Series 1997-B Certificateholders' Statement for the month
ended December 31, 2003.

20.7. Series 1997-C Certificateholders' Statement for the month
ended December 31, 2003.

20.8. Series 1997-I Certificateholders' Statement for the month
ended December 31, 2003.

20.9. Series 1997-J Certificateholders' Statement for the month
ended December 31, 2003.

20.10. Series 1997-K Certificateholders' Statement for the month
ended December 31, 2003.

20.11. Series 1998-E Certificateholders' Statement for the month
ended December 31, 2003.

20.12. Series 1998-F Certificateholders' Statement for the month
ended December 31, 2003.

20.13. Series 1998-G Certificateholders' Statement for the month
ended December 31, 2003.

20.14. Series 1999-A Certificateholders' Statement for the month
ended December 31, 2003.

20.15. Series 1999-B Certificateholders' Statement for the month
ended December 31, 2003.

20.16. Series 1999-D Certificateholders' Statement for the month
ended December 31, 2003.

20.17. Series 1999-G Certificateholders' Statement for the month
ended December 31, 2003.

20.18. Series 1999-H Certificateholders' Statement for the month
ended December 31, 2003.

20.19. Series 1999-J Certificateholders' Statement for the month
ended December 31, 2003.

20.20. Series 1999-L Certificateholders' Statement for the month
ended December 31, 2003.

20.21. Series 1999-M Certificateholders' Statement for the month
ended December 31, 2003.

20.22. Series 2000-A Certificateholders' Statement for the month
ended December 31, 2003.

20.23. Series 2000-C Certificateholders' Statement for the month
ended December 31, 2003.

20.24. Series 2000-D Certificateholders' Statement for the month
ended December 31, 2003.

20.25. Series 2000-E Certificateholders' Statement for the month
ended December 31, 2003.

20.26. Series 2000-F Certificateholders' Statement for the month
ended December 31, 2003.

20.27. Series 2000-G Certificateholders' Statement for the month
ended December 31, 2003.

20.28. Series 2000-H Certificateholders' Statement for the month
ended December 31, 2003.

20.29. Series 2000-I Certificateholders' Statement for the month
ended December 31, 2003.

20.30. Series 2000-K Certificateholders' Statement for the month
ended December 31, 2003.

20.31. Series 2000-L Certificateholders' Statement for the month
ended December 31, 2003.

20.32. Series 2001-A Certificateholders' Statement for the month
ended December 31, 2003.

20.33. Series 2001-B Certificateholders' Statement for the month
ended December 31, 2003.








                                SIGNATURES



      Pursuant to the requirements 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.


Dated:     January 16, 2004


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Marcie Copson-Hall
                                   ----------------------------------
                                    Name:   Marcie Copson-Hall
                                    Title:  Executive Vice President