Exhibit 99.02

MBNA AMERICA BANK, NATIONAL ASSOCIATION

MBNA CREDIT CARD MASTER NOTE TRUST


The undersigned, a duly authorized representative of MBNA America Bank,
National Association ("MBNA"), pursuant to the Indenture (the "Indenture") dated
as of May 24, 2001 by and between MBNA Credit Card Master Note Trust, as Issuer
(the "Issuer") and The Bank of New York, as Indenture Trustee (the "Indenture
Trustee"), does hereby certify that:

1. MBNA is Beneficiary under the Indenture.

2. The undersigned, an Issuer Authorized Officer authorized to act on
behalf of the Issuer, is required pursuant to the Indenture to
execute and deliver this statement to the Indenture Trustee.

3. This statement is delivered pursuant to Section 1104 of the
Indenture.

4. A review of the activities of the Issuer for the twelve-month
period ended June 30, 2005 and of the Issuer's performance under
the Indenture and under the terms of the Notes was conducted under
my supervision.

5. Based on such review, the Issuer has, to my knowledge, complied in
all material aspects with all conditions and covenants under the
Indenture throughout such review period and no material default in
the performance of such obligations has occurred or is continuing
except as set forth in paragraph 6 below.

6. The following is a description of each material default in the
performance of the Issuer's obligations under the provisions of the
Indenture known to the undersigned to have been made during such
review period which sets forth in detail (i) the nature of each
such default, (ii) the action taken by the Issuer, if any, to
remedy each such default and (iii) the current status of each such
default:

"None"


IN WITNESS WHEREOF, the undersigned has duly executed this statement
this 15th day of August 2005.


/s/Douglas O. Hart
Name: Douglas O. Hart
Title: Senior Executive Vice President


ANNUAL SERVICER'S CERTIFICATE

MBNA AMERICA BANK, N.A.

MBNA MASTER CREDIT CARD TRUST II


The undersigned, a duly authorized representative of MBNA America Bank,
N.A. (the "Bank"), as Servicer pursuant to the Pooling and Servicing Agreement
dated as of August 4, 1994 (the "Pooling and Servicing Agreement") by and
between the Bank and The Bank of New York, as trustee, (the "Trustee") does
hereby certify that:

1. The Bank is Servicer under the Pooling and Servicing Agreement.

2. The undersigned is duly authorized as required pursuant to the
Pooling and Servicing Agreement to execute and deliver this
Certificate to the Trustee.

3. This Certificate is delivered pursuant to Section 3.05 of the
Pooling and Servicing Agreement.

4. A review of the activities of the Servicer during the twelve-month
period ended June 30, 2005 was conducted under my supervision.

5. Based on such review, the Servicer has, to my knowledge, fully
performed all its obligations under the Pooling and Servicing
Agreement throughout such twelve-month period and no material
default in the performance of such obligations has occurred or is
continuing except as set forth in paragraph 6 below.

6. The following is a description of each material default in the
performance of the Servicer's obligations under the provisions of
the Pooling and Servicing Agreement known to the undersigned to
have been made during such period which sets forth in detail (i)
the nature of each such default, (ii) the action taken by the
Servicer, if any, to remedy each such default and (iii) the current
status of each such default:

"None"


IN WITNESS WHEREOF, the undersigned has duly executed this Certificate
this 15th day of August 2005.


/s/Douglas O. Hart
Name: Douglas O. Hart
Title: Senior Executive Vice President