UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C.  20549


                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934



        DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 15, 2001





                 BANK OF AMERICA, NATIONAL ASSOCIATION (U.S.A.)
                 ----------------------------------------------
             (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
            (ORIGINATOR OF THE NATIONSBANK CREDIT CARD MASTER TRUST)



     UNITED  STATES            33-69572              51-0313900
     --------------            --------              ----------
     (STATE  OR  OTHER         (COMMISSION  FILE     (I.R.S.  EMPLOYER
     JURISDICTION  OF          NUMBER)               IDENTIFICATION  NO.)
     INCORPORATION

                             1825 EAST BUCKEYE ROAD
                             PHOENIX, ARIZONA  85034
                    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)
                    ----------------------------------------


       REGISTRANT'S TELEPHONE NUMBER INCLUDING AREA CODE:  (704) 386-4103




                                  PAGE 1 OF 17


     EXHIBIT  INDEX  APPEARS  ON  PAGE  4
ITEM  5.     OTHER  EVENTS
             -------------

          THE  REGISTRANT  HEREBY  INCORPORATES  BY  REFERENCE  THE  INFORMATION
CONTAINED  IN  EXHIBIT  99  HERETO  IN  RESPONSE  TO  THIS  ITEM  5.

ITEM  7.     FINANCIAL  STATEMENTS,  PRO FORMA FINANCIAL STATEMENTS AND EXHIBITS
             -------------------------------------------------------------------

          (C)     EXHIBITS

               99A  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT  --
                    NATIONSBANK  CREDIT  CARD  MASTER  TRUST
                    $500,000,000  CLASS  A  6.0%  ASSET  BACKED
                    CERTIFICATES,  SERIES  1993-2

               99B  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT  --
                    NATIONSBANK  CREDIT  CARD  MASTER  TRUST
                    $31,915,000  CLASS  B  6.25%  ASSET  BACKED
                    CERTIFICATES,  SERIES  1993-2

               99E  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT  --
                    NATIONSBANK  CREDIT  CARD  MASTER  TRUST
                    $756,000,000  CLASS  A  5.29375%  ASSET  BACKED
                    CERTIFICATES,  SERIES  1996-1

               99F  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT  --
                    NATIONSBANK  CREDIT  CARD  MASTER  TRUST
                    $58,500,000  CLASS  B  5.42375%  ASSET  BACKED
                    CERTIFICATES,  SERIES  1996-1



     PAGE  2  OF  17


                                   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  HEREUNTO  DULY  AUTHORIZED.

                   BANK OF AMERICA, NATIONAL ASSOCIATION (USA)
                   -------------------------------------------
(REGISTRANT)


DATED:  APRIL  15,  2001     BY:      /S/  VICTORIA  J.  JAHANBANI
        ----------------              ----------------------------
                              NAME:        VICTORIA  J.  JAHANBANI
                              TITLE:       VICE  PRESIDENT
                                           (DULY  AUTHORIZED  OFFICER)


                                  PAGE 3 OF 17


                                                           SEQUENTIALLY
EXHIBIT                                                    NUMBERED
NUMBER                    EXHIBIT                          PAGE
- ------                    -------                          ----


99A  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT      --      EXHIBIT  99
     NATIONSBANK  CREDIT  CARD  MASTER  TRUST             A  &  B
     $500,000,000  CLASS  A  6.0%  ASSET  BACKED          5  -  10
     CERTIFICATES,  SERIES  1993-2


99B  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT     --       EXHIBIT  99
     NATIONSBANK  CREDIT  CARD  MASTER  TRUST             A  &  B
     $31,915,000  CLASS  B  6.25%  ASSET  BACKED          5  -  10
     CERTIFICATES,  SERIES  1993-2


99E  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT      --     EXHIBIT  99
     NATIONSBANK  CREDIT  CARD  MASTER  TRUST            F,  G,  &  H
     $756,000,000  CLASS  A  5.29375%  ASSET  BACKED     11  -  17
     CERTIFICATES,  SERIES  1996-1


99F  MONTHLY  CERTIFICATEHOLDER'S  STATEMENT     --      EXHIBIT  99
     NATIONSBANK  CREDIT  CARD  MASTER  TRUST            F,  G,  &  H
     $58,500,000  CLASS  B  5.42375%  ASSET  BACKED      11  -  17
     CERTIFICATES,  SERIES  1996-1




                                  PAGE 4 OF 17