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                       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) June 12, 1996


                      ADVANTA Credit Card Master Trust II
                              Advanta National Bank                
- --------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

                                                                                         
                   United States                              33-99326                            23-2804492 
 ----------------------------------------------     ------------------------                   ----------------------
 (State or Other Jurisdiction of Incorporation)     (Commission File Number)                   (IRS Employer
                                                                                               Identification Number)




                                                                                            
                               501 Carr Road
                           Wilmington, Delaware                                                   19809  
                 -----------------------------------------                                     ----------
                  (Address of Principal Executive Office)                                      (Zip Code)


Registrant's telephone number, including area code (302) 791-4400

                                     N/A
- --------------------------------------------------------------------------------
         (Former Name or Former Address, if Changed Since Last Report)


                          Advanta National Bank USA
            ------------------------------------------------------
            (Exact name of registrant as specified in its charter)


                                                                                         
                   United States                              33-99326                            51-000900  
 ----------------------------------------------     ------------------------                   ----------------------
 (State or Other Jurisdiction of Incorporation)     (Commission File Number)                   (IRS Employer
                                                                                               Identification Number)




                                                                                            
                        Brandywine Corporate Center
                              650 Naamans Road
                             Claymont, Delaware                                                   19703  
                  ----------------------------------------                                     ----------
                  (Address of Principal Executive Office)                                      (Zip Code)



Registrant's telephone number, including area code (302) 791-4400


                                     N/A
- --------------------------------------------------------------------------------
         (Former Name or Former Address, if Changed Since Last Report)
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INFORMATION TO BE INCLUDED IN THE REPORT

Items 1-4.       Not Applicable

Item 5.          On June 12, 1996, the registrants made available to
                 prospective investors a prospectus supplement relating to the
                 offering of $605,500,000 aggregate principal amount of Class A
                 Floating Rate Asset Backed Certificates, Series 1996-D and
                 $38,500,000 aggregate principal amount of Class B Floating
                 Rate Asset Backed Certificates, Series 1996-D of ADVANTA
                 Credit Card Master Trust II.  The information contained in the
                 prospectus supplement supersedes any preliminary information
                 contained in the series term sheet dated June 7, 1996 that 
                 contained a description of the collateral pool and the
                 proposed structure for the above-referenced transaction that
                 was filed with the Commission on Form 8-K on June 11, 1996.
                 The prospectus supplement is attached hereto as Exhibit 99.

Item 6.          Not Applicable.

Item 7.          Exhibits.

                 The following is filed as an Exhibit to this Report under
Exhibit 99.

         Exhibit 99             Prospectus Supplement dated June 10, 1996, with
                                respect to the issuance of the Class A
                                Floating Asset Backed Certificates and the
                                Class B Floating Rate Asset Backed Certificates
                                of the ADVANTA Credit Card Master Trust II, 
                                Series 1996-D.
                                




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                                   SIGNATURES

                 Pursuant to the requirements of the Securities Exchange Act of
1934, the registrants have duly caused this report to be signed on their behalf
by the undersigned hereunto duly authorized.

                                           ADVANTA NATIONAL BANK
                                           
                                           By: /s/ MICHAEL COCO      
                                              -----------------------
                                              Name:   Michael Coco
                                              Title:  Vice President
                                           


                                           ADVANTA NATIONAL BANK USA


                                           
                                           By: /s/ MICHAEL COCO      
                                              -----------------------
                                              Name:   Michael Coco
                                              Title:  Vice President





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                                 EXHIBIT INDEX


Exhibit                           Description                                                 Page
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99                        Prospectus Supplement dated June 10, 1996.                            5






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