Exhibit 99.29

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity
9/15/04


Blended Coupon
5.8125%


Excess Protection Level
3 Month Average 4.05%
October, 1997 4.05%
September, 1997 N/A
August, 1997 N/A


Cash Yield 17.86%


Investor Charge Offs 4.10%


Base Rate 9.72%


Over 35 Day Delinquency 4.76%


Seller's Interest 13.78%


Total Payment Rate 14.00%


Total Principal Balance
$31,941,631,051.83


Investor Participation Amount
$750,000,000.00


Seller Participation Amount
$4,401,496,533.34

* For purposes of calculating the Base Rate and Excess
Protection Level, a
Coupon of 7.72% (51/360) was used. The Base Rate was
calculated using a 51
day monthly period, 9/10/97-10/31/97