xhibit 20.1


MONTHLY SERIES CERTIFICATEHOLDERS' STATEMENT

SERIES 2001-D

MBNA AMERICA BANK, NATIONAL ASSOCIATION



MBNA MASTER CREDIT CARD TRUST II






MONTHLY PERIOD ENDING MAY 31, 2002

___________________________________


The information which is required to be prepared with respect to the Transfer
Date of June 14, 2002 and with respect to the performance of the Issuer during
the related Monthly Period.

Capitalized terms used in this Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.

A.Information Regarding the Current Monthly Distribution
1. The amount of the current monthly
distribution which constitutes Available
Funds$197,089,253.72


2. The amount of the current monthly distribution
which constitutes Available Investor Principal
Collections      See Addendum to Exhibit B

B. Information Regarding the Performance of the Trust

1.Collection of Principal Receivables
(a)The aggregate amount of Collections of
Principal Receivables processed during the
related Monthly Period and allocated to
Series 2001-D$1,854,626,442.89

2.Collection of Finance Charge Receivables
(a)The aggregate amount of Collections of Finance
Charge Receivables processed during the
related Monthly Period and allocated to
Series 2001-D$184,359,605.81



3.Principal Receivables in the Trust
(a)The aggregate amount of Principal Receivables
in the Trust as of the end of the day on the
last day of the related Monthly
Period$64,481,270,446.71

(b)The amount of Principal Receivables in the
Trust represented by the Investor Interest
of Series 2001-D as of the end of the day on
the last day of the related Monthly
Period$14,456,175,000.00

(c) The Floating Allocation Investor
Interest as of the end of the day on the
last day of the related Monthly
Period$14,456,175,000.00

(d) The Principal Allocation Investor Interest
as of the end of the day on the last day
of the related Monthly
Period$14,456,175,000.00

(e) The Floating Investor Percentage with respect
to the related Monthly Period
May 1, 2002  through  May 8, 200219.45%
May 9, 2002  through  May 29, 200221.10%
May 30, 2002  through  May 31, 200222.28%

(f)The Principal Investor Percentage with respect to
the Monthly Period
May 1, 2002  through  May 8, 200219.45%
May 9, 2002  through  May 29, 200221.10%
May 30, 2002  through  May 31, 200222.28%





4.  Delinquent Balances




      The aggregate amount of outstanding balances in the
    Accounts which were delinquent as of the end of the
    day on the last day of the related Monthly Period:




Aggregate
Account
Balance
Percentage
of Total
Receivables







(a)
 30 -  59 days:
$1,225,398,595.15
1.85%


(b)
 60 -  89 days:
$678,796,267.53
1.03%


(c)
 90 - 119 days:
$556,265,133.33
0.84%


(d)
120 - 149 days:
$504,298,817.09
0.76%


(e)
150 - or more days:
$450,705,389.22
0.69%


Total:
$3,415,464,202.32
5.17%
5.Investor Default Amount
(a)The Aggregate Investor Default Amount for the
related Monthly Period$66,832,168.07
6.Investor Servicing Fee
(a)The amount of the Investor Servicing Fee  payable by
the Trust to the Servicer for the
related Monthly Period$22,494,162.63
(b)The amount of the Net Servicing Fee
payable by the Trust to the Servicer
for the related Monthly
Period$14,058,851.64
(c)The amount of the Servicer Interchange
payable by the Trust to the Servicer
for the related Monthly
Period$8,435,310.99


IN WITNESS WHEREOF, the undersigned has duly executed this certificate this
10th day of June, 2002.



MBNA AMERICA BANK,
NATIONAL ASSOCIATION,
Servicer
Christopher Harris


Name:  Christopher Harris
Title: First Vice President




C-3
2001-D
2001-D	A-1