Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
October 31, 1998



Expected B Maturity 9/15/04


Blended Coupon 5.5798%


Excess Protection Level
3 Month Average 5.59%
October, 1998 6.03%
September, 1998 4.41%
August, 1998 6.34%


Cash Yield 18.93%


Investor Charge Offs 4.98%


Base Rate 7.92%


Over 35 Day Delinquency 5.16%


Seller's Interest 8.67%


Total Payment Rate 14.28%


Total Principal Balance $39,561,435,127.71


Investor Participation Amount $750,000,000.00


Seller Participation Amount $3,431,640,609.22