1
                                                                    March 1997  

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                   ------------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1994-B

- -------------------------------------------------------------------------------


         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1994-B
Supplement dated as of July 19, 1994 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1994-B Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the 
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1994-B Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 




                                                                                                                  
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.605764

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.807153

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . .   $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . .   $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . . .   $4.605764

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . .   $4.807153

   2

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly
         Period which were allocated in respect of the Series 1994-B Certificates   . . . . . . . . . . . . . .   $91,381,552.59

8.       The aggregate amount of Collections of Principal Receivables processed during the
         prior Monthly Period and allocated in respect of the Series 1994-B Certificates  . . . . . . . . . . .   $79,243,046.12

9.       The aggregate amount of Reallocated Principal Collections with respect to the
         prior Monthly Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . $10,683,934.55

11.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . .  $484,097.84

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $4,185,999.13

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $188,913.97

14.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

15.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class A Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . .  $0.00

17.      The aggregate amount of Class B Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . .  $0.00

18.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . .  $1,100,000.00

19.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $50,000.00

20.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

21.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

   3

                                                                                                           
22.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $660,000,000.00

23.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $660,000,000.00

24.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .   $30,000,000.00

25.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .   $30,000,000.00

26.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the Distribution Date is  . . . . . .  $0.00

27.      The amount, if any, by which the outstanding principal balance of the Class B Certificates
         exceeds the Class B Investor Amount after giving effect to any activity on the Distribution Date is  . . . . . .  $0.00

28.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $15,000,000.00

29.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $60,000,000.00

30.      The Available Enhancement Amount as of the close of business on the Distribution Date  . . . . . . . .   $75,000,000.00

31.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $937,500.00

32.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the Distribution Date) is   .  $0.00

33.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds the Base Rate for
         such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.24%


                                                Advanta National Bank USA
                                                as Servicer

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

   4
Series 1994-B daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                                    
          3/2 -   3/13  1994-B              8.41%             8.41%
          3/14 -  3/31  1994-B              8.36%             8.36%




DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                                                             
   5
                                                                    March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                    ---------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1994-D

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1994-D
Supplement dated as of October 11, 1994 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1994-D Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1994-D Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 


                                                                                                                 
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.509097

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.670208

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.509097

6.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.670208

   6

                                                                                                           
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1994-D Certificates  . . . . . . . . . . . . . . . . . .  $121,848,838.92

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1994-D Certificates  . . . . . . . . . . . . . .  $105,663,404.20

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . . . .   $13,833,516.90

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . .  $810,941.15

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $5,419,918.33

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $318,045.07

14.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

15.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class A Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . .  $0.00

17.      The aggregate amount of Class B Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . .  $0.00

18.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . .  $1,425,000.00

19.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $83,333.33

20.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

21.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

   7

                                                                                                           
22.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $855,000,000.00

23.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $855,000,000.00

24.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .   $50,000,000.00

25.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .   $50,000,000.00

26.      The amount, if any, by which the outstanding principal balance of the Class A
         Certificates exceeds the Class A Investor Amount after giving effect to any activity
         on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

27.      The amount, if any, by which the outstanding principal balance of the Class B
         Certificates exceeds the Class B Investor Amount after giving effect to any activity
         on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

28.      The Available Cash Collateral Amount as of the close of business on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $10,000,000.00

29.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $95,000,000.00

30.      The Available Enhancement Amount as of the close of business on the Distribution Date  . . . . . . . .  $105,000,000.00

31.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $1,250,000.00

32.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

33.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.36%


                                                Advanta National Bank USA
                                                as Servicer

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

   8
Series 1994-D daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
 3/2 -  3/13              1994-D             11.21           11.21
 3/14 - 3/31              1994-D             11.15           11.15



DELINQUENT BALANCES


         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                
                                

   9
                                                                     March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                    ---------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1995-A

- -------------------------------------------------------------------------------

   
                    Under the Amended and Restated Master Pooling and Servicing
Agreement dated as of December 1, 1993, as amended and restated on May 23, 1994,
and as amended by Amendment Number 1 dated as of July 1, 1994 between Advanta
National Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as
trustee (the "Trustee"), and as amended by Amendment Number 2 dated October 6,
1995 among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller
and the Trustee (the "Master Agreement"), as supplemented by the Series 1995-A
Supplement dated as of January 18, 1995 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1995-A Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1995-A Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.
    


                                                                                                  
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.525208

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.682292

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . .   $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . .   $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . .   $4.525208

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . .   $4.682292

   10

                                                                                                         
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1995-A Certificates  . . . . . . . . . . . . . . . . .  $85,129,447.67

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1995-A Certificates  . . . . . . . . . . . . .  $73,947,715.76

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . . .   $9,560,196.21

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . $557,711.83

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . .   $3,794,122.17

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $221,495.67

14.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . .   $0.00

15.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . .   $0.00

16.      The aggregate amount of Class A Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . .   $0.00

17.      The aggregate amount of Class B Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . .   $0.00

18.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . .   $997,500.00

19.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . .    $58,333.33

20.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . .   1.00000

21.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . .   1.00000

   11

                                                                                                           
22.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $598,500,000.00

23.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $598,500,000.00

24.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .   $35,000,000.00

25.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .   $35,000,000.00

26.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the Distribution Date is  . . . . . .  $0.00

27.      The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds
         the Class B Investor Amount after giving effect to any activity on the Distribution Date is  . . . . . . . . . .  $0.00

28.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . . .  $7,000,000.00

29.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $66,500,000.00

30.      The Available Enhancement Amount as of the close of business on the Distribution Date  . . . . . . . .   $73,500,000.00

31.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $729,166.66

32.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

33.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds the
         Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.08%

   12

                                                                                                         
34.      The Net Portfolio Yield for the prior Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . .  11.56%

35.      The Base Rate for the Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7.48%

36.      The aggregate amount of Principal Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $8,684,250,281.72

37.      The Excess Funding Amount as of the last day of the prior Monthly Period is  . . . . . . . . . . . . .  $236,802,349.36

38.      The aggregate amount of Finance Charge Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $126,885,719.34


                                           Advanta National Bank USA
                                           as Servicer

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

   13
Series 1995-A daily percentages during the prior Monthly Period




                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                    
          3/2 -  3/13     1995-A             7.85%           7.85%
          3/14 - 3/31     1995-A             7.80%           7.80%


DELINQUENT BALANCES


         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:


         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49


   14
                                                                     March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                   -----------------------------------------
                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1995-C

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as Trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1995-C
Supplement dated as of April 27, 1995 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1995-C Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1995-C Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 



                                                                                                               
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.000000

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.000000

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates  . . . . . . . . . . . . . . . . . . . . . $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates  . . . . . . . . . . . . . . . . . . . . . $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A Certificate  . . . . . . . . . . . . . . . . . . . . . . . $0.000000

6.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate  . . . . . . . . . . . . . . . . . . . . . . . $0.000000

   15

                                                                                                           
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period which
         were allocated in respect of the Series 1995-C Certificates  . . . . . . . . . . . . . . . . . . . . .  $69,963,914.28

8.       The aggregate amount of Collections of Principal Receivables processed during the prior Monthly
         Period and allocated in respect of the Series 1995-C Certificates  . . . . . . . . . . . . . . . . . .  $60,765,683.59

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
          Monthly Period and allocated in respect of the Class A Certificates   . . . . . . . . . . . . . . . . . $7,818,287.92

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . . $549,965.96

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . $3,099,743.72

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . $217,310.85

14.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . $0.00

15.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . $0.00

16.      The aggregate amount of Class A Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . . $0.00

17.      The aggregate amount of Class B Investor Charge-offs reimbursed on the Distribution Date is  . . . . . . . . . . $0.00

18.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . . $814,583.33

19.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $57,500.00

20.      The Class A Pool Factor as of the Record Date for the Distribution Date is  . . . . . . . . . . . . . . . . .  1.00000

21.      The Class B Pool Factor as of the Record Date for the Distribution Date is  . . . . . . . . . . . . . . . . .  1.00000

   16

                                                                                                          
22.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . . $488,750,000.00

23.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . . $488,750,000.00

24.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $34,500,000.00

25.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $34,500,000.00

26.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

27.      The amount, if any, by which the outstanding principal balance of the Class B Certificates
         exceeds the Class B Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

28.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . . . $8,625,000.00

29.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .  $51,750,000.00

30.      The Available Enhancement Amount as of the close of business on the Distribution Date  . . . . . . . .  $60,375,000.00

31.      The amount of Interchange with respect to the prior Monthly Period is . . . . . . . . . . . . . . . . . .  $598,958.33

32.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

33.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds the
         Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.00%

   17

                                                                                                        
34.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . .  11.59%

35.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   7.59%

36.      The aggregate amount of Principal Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $8,684,250,281.72

37.      The Excess Funding Amount as of the last day of the prior Monthly Period is  . . . . . . . . . . . . . $236,802,349.36

38.      The aggregate amount of Finance Charge Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $126,885,719.34

39.      The amount on deposit in the Pre-Funding Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

40.      The amount on deposit in the Principal Funding Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

41.      The amount on deposit in the Interest Funding Account as of the close of business on
         the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2,432,824.60

42.      The amount on deposit in the Reserve Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00


                                           Advanta National Bank USA
                                           as Servicer

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

   18
Series 1995-C daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                                    
      3/2 -  3/13        1995-C             6.45%            6.45%
      3/14 - 3/31        1995-C             6.41%            6.41%


DELINQUENT BALANCES


         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49



   19
                                                                     March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA

                   ------------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1995-D

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1995-D
Supplement dated as of July 25, 1995 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1995-D Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1995-D Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 


                                                                                                                 
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.533264

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.637986

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.533264

6.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.637986

   20

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly
         Period which were allocated in respect of the Series 1995-D Certificates   . . . . . . . . . . . . . .   $73,001,809.28

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1995-D Certificates  . . . . . . . . . . . . . .   $63,413,348.81

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior
         Monthly Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . .  $9,110,612.63

11.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . .  $477,847.84

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $3,616,566.95

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $188,913.97

14.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

15.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

17.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

18.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $950,000.00

19.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $50,000.00

20.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

21.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

   21

                                                                                                          
22.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . . $570,000,000.00

23.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . . $570,000,000.00

24.      The Class A-1 Invested Amount after giving effect to any payments on the Distribution Date is  . . . . $519,000,000.00

25.      The Class A-2 Invested Amount after giving effect to any payments on the Distribution Date is  . . . .  $51,000,000.00

25.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $30,000,000.00

26.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $30,000,000.00

27.      The amount, if any, by which the outstanding principal balance of the Class A
         Certificates exceeds the Class A Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

28.      The amount, if any, by which the outstanding principal balance of the Class B
         Certificates exceeds the Class B Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

29.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .  $63,000,000.00

29.      The amount on deposit in the Cash Collateral Account (including the principal balance of
         the Class A-2 Certificates as of the close of business on the Distribution Date  . . . . . . . . . . .  $63,000,000.00

30.      The amount of Interchange with respect to the prior Monthly Period is   . . . . . . . . . . . . . . . . .  $625,000.00

31.      The Deficit Controlled Amortization Amount (after giving effect to any activity on
         the Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

32.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   4.12%



                                           Advanta National Bank USA
                                           as Servicer
                                           
                                           By:  /s/ MICHAEL COCO
                                               --------------------------
                                                    Michael Coco
                                                    Vice President

   22
Series 1995-D daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2 -  3/13     1995-D             6.73%            6.73%
          3/14 - 3/31     1995-D             6.69%            6.69%


DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49

   23
                                                                     March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA
                   -----------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1995-F

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1995-F
Supplement dated as of November 21, 1995 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1995-F Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1995-F Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 


                                                                                                                 
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A-1 Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $5.041667

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A-2 Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.533264

3.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.621875

4.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A-1 Certificates   . . . . . . . . . . . . . . . . . . . .  $0.000000

5.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A-2 Certificates   . . . . . . . . . . . . . . . . . . . .  $0.000000

6.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

   24


                                                                                                            
7.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A-1 Certificate   . . . . . . . . . . . . . . . . . . . . . .  $5.041667

8.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A-2 Certificate   . . . . . . . . . . . . . . . . . . . . . .  $4.533264

9.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.621875

10.      The aggregate amount of Collections of Receivables processed for the prior Monthly
         Period which were allocated in respect of the Series 1995-F Certificates   . . . . . . . . . . . . . .  $103,352,940.94

11.      The aggregate amount of Collections of Principal Receivables processed during the
         prior Monthly Period and allocated in respect of the Series 1995-F Certificates  . . . . . . . . . . .   $89,777,413.06

12.      The aggregate amount of Reallocated Principal Collections with respect to the prior
         Monthly Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

13.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . $12,082,607.16

14.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . .  $714,733.63

15.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $4,795,186.94

16.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $283,968.81

17.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

18.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

   25

                                                                                                          
21.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . . $630,416.66

22.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $37,187.50

23.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . . 1.00000

24.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . . 1.00000

25.      The Class A-1 Investor Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $378,250,000.00

26.      The Class A-2 Investor Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $378,250,000.00

27.      The Class A-1 Invested Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $378,250,000.00

28.      The Class A-2 Invested Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $378,250,000.00

29.      The Class B Investor Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $44,625,000.00

30.      The Class B Invested Amount after giving effect to any payments on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $44,625,000.00

31.      The amount, if any, by which the outstanding principal balance of the Class A
         Certificates exceeds the Class A Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

32.      The amount, if any, by which the outstanding principal balance of the Class B
         Certificates exceeds the Class B Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

33.      The Available Cash Collateral Amount as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $17,000,000.00

34.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .  $48,875,000.00

   26

                                                                                                         
35.      The amount on deposit in the Cash Collateral Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $17,000,000.00

36.      The Available Enhancement Amount as of the close of business on the Distribution Date is   . . . . . .   $65,875,000.00

37.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $885,416.68

38.      The amount of Servicer Interchange with respect to the prior Monthly Period is   . . . . . . . . . . . . .  $708,333.34

39.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

40.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds the
         Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3.83%

41.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . .   11.56%

42.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7.73%

43.      The aggregate amount of Principal Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $8,684,250,281.72

44.      The Excess Funding Amount as of the last day of the prior Monthly Period is  . . . . . . . . . . . . .  $236,802,349.36 

45.      The aggregate amount of Finance Charge Receivables as of the last day of the prior
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $126,885,719.34


                                           Advanta National Bank USA
                                           as Servicer

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

   27
Series 1995-F daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2  -  3/13    1995-F             9.53%            9.53%
          3/14 -  3/31    1995-F             9.47%            9.47%


DELINQUENT BALANCES

        The aggregate outstanding balance of Accounts which are 30, 60, 90,
        120, 150 and 180 or more days delinquent as of the end of the prior
        Monthly Period is:

        (a)     30-59 days: . . . . . . . . . .         $137,132,888.15
        (b)     60-89 days: . . . . . . . . . .           81,211,505.98
        (c)     90-119 days:  . . . . . . . . .           71,294,861.05
        (d)     120-149 days: . . . . . . . . .           56,091,862.48
        (e)     159-179 days: . . . . . . . . .           53,850,821.90
        (f)     180 or more days: . . . . . . .           17,923,703.49

   28
                                                                     March 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                           Advanta National Bank USA
                  --------------------------------------------
                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1995-G

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1995-G
Supplement dated as of December 15, 1995 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1995-G Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1995-G Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement. 


                                                                                                         
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.492986

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.613819

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . .  $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . .  $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . .  $4.492986

6.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . .  $4.613819

   29

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1995-G Certificates  . . . . . . . . . . . . . . . . . .   $60,766,334.80

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1995-G Certificates  . . . . . . . . . . . . . .   $52,784,422.40

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior
         Monthly Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the
         prior Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . .  $6,903,671.16

11.      The aggregate amount of Collections of Finance Charge Receivables processed during
         the prior Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . 442,943.81

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $2,740,448.45

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $176,060.66

14.      The Collateral Default Amount for the prior Monthly Period   . . . . . . . . . . . . . . . . . . . . . . .  $251,387.11

15.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

17.      The aggregate amount of Collateral Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . . . .  $0.00

18.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . . . . .  $0.00

   30

                                                                                                          
21.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $360,416.66

22.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $22,916.66

23.      The amount of the Collateral Servicing Fee for the prior Monthly Period is   . . . . . . . . . . . . . . .   $33,333.34

24.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

25.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

26.      The Class A Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .  $432,500,000.00

27.      The Class A Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .  $432,500,000.00

28.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .   $27,500,000.00

29.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .   $27,500,000.00

30.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

31.      The amount, if any, by which the outstanding principal balance of the Class B Certificates
         exceeds the Class B Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

32.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $10,000,000.00

33.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $40,000,000.00



   31

                                                                                                            
34.      The amount on deposit in the Cash Collateral Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $10,000,000.00

35.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $520,833.33

36.      The amount of Servicer Interchange for the prior Monthly Period is   . . . . . . . . . . . . . . . . . . .  $416,666.66

37.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

38.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.13%

39.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11.55%

40.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7.42%




                                           Advanta National Bank USA
                                           as Servicer

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

   32
Series 1995-G daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2  -  3/13    1995-G             5.60%            5.60%
          3/14 -  3/31    1995-G             5.57%            5.57%



DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                                                             

   33
                                                                 March 1997

                    MONTHLY CERTIFICATEHOLDER'S STATEMENT
                          Advanta National Bank USA
                 -------------------------------------------

                             ADVANTA Credit Card
                               Master Trust II
                                SERIES 1996-A

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1996-A
Supplement dated as of January 18, 1996 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1996-A Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1996-A Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.


                                                                                                                 
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A-1 Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $5.000000

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A-2 Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.565486

3.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $4.662153

4.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A-1 Certificates   . . . . . . . . . . . . . . . . . . . .  $0.000000

5.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A-2 Certificates   . . . . . . . . . . . . . . . . . . . .  $0.000000

6.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . .  $0.000000

   34

                                                                                                            
7.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A-1 Certificate   . . . . . . . . . . . . . . . . . . . . . .  $5.000000

8.       The amount of distribution set forth in paragraph 1 above in respect of interest, per
         $1,000 principal principal amount of the Class A-2 Certificate   . . . . . . . . . . . . . . . . . . . . . .  $4.565486

9.       The amount of distribution set forth in paragraph 2 above in respect of interest, per
         $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . . . .  $4.662153

10.      The aggregate amount of Collections of Receivables processed for the prior Monthly
         Period which were allocated in respect of the Series 1996-A Certificates   . . . . . . . . . . . . . .   $60,766,334.82

11.      The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1996-A Certificates  . . . . . . . . . . . . . .   $52,784,422.38

12.      The aggregate amount of Reallocated Principal Collections with respect to the prior
         Monthly Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

13.      The aggregate amount of Collections of Finance Charge Receivables processed during the
         prior Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . .  $7,023,938.34

14.      The aggregate amount of Collections of Finance Charge Receivables processed during the
         prior Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . .  $414,964.72

15.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $2,787,378.02

16.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $164,701.91

17.      The Collateral Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . .  $215,816.30

18.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Collateral Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . . . .  $0.00

21.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

22.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

   35

                                                                                                           
23.      The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . . . . .  $0.00

24.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $183,333.33

25.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $10,937.50

26.      The amount of the Collateral Servicing Fee for the prior Monthly Period is   . . . . . . . . . . . . . . .   $14,062.50

27.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

28.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

29.      The Class A-1 Investor Amount after giving effect to any payments on the Distribution Date is  . . . .  $220,000,000.00

30.      The Class A-2 Investor Amount after giving effect to any payments on the Distribution Date is  . . . .  $220,000,000.00

31.      The Class A-1 Invested Amount after giving effect to any payments on the Distribution Date is  . . . .  $220,000,000.00

32.      The Class A-2 Invested Amount after giving effect to any payments on the Distribution Date is  . . . .  $220,000,000.00

33.      The Class B Investor Amount after giving effect to any payments on the Distribution Date is  . . . . .   $26,250,000.00

34.      The Class B Invested Amount after giving effect to any payments on the Distribution Date is  . . . . .   $26,250,000.00

35.      The amount, if any, by which the outstanding principal balance of the Class A
         Certificates exceeds the Class A Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

36.      The amount, if any, by which the outstanding principal balance of the Class B
         Certificates exceeds the Class B Investor Amount after giving effect to any
         activity on the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

37.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $10,000,000.00

38.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $33,750,000.00




   36

                                                                                                              
39.      The amount on deposit in the Cash Collateral Account as of the close of business on
         the Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $10,000,000.00

40.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $520,833.34

41.      The amount of Servicer Interchange with respect to the prior Monthly Period is   . . . . . . . . . . . . . .  $416,666.67

42.      The Deficit Controlled Amortization Amount (after giving effect to any activity on
         the Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

43.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds the Base Rate for such
         Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3.81%




                                           Advanta National Bank USA
                                           as Servicer

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

   37
Series 1996-A daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2  -  3/13    1996-A             5.60%            5.60%
          3/14 -  3/31    1996-A             5.57%            5.57%


DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                                                             
   38
                                                                    March, 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                          Advanta National Bank USA
                  --------------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1996-B

- -------------------------------------------------------------------------------

        Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1996-B
Supplement dated as of March 26, 1996 (the "Supplement" and together with the
Master Agreement the "Agreement") AUS, ANB and the Trustee. AUS, as Servicer, is
required to prepare certain information each month regarding current
distributions to all 1996-B Certificateholders.  This statement relates to the
April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1996-B Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.


                                                                                                               
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $0.000000

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $0.000000

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . .   $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . .   $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . .   $0.000000

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . .   $0.000000

   39

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1996-B Certificates  . . . . . . . . . . . . . . . . . .   $91,238,600.04

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1996-B Certificates  . . . . . . . . . . . . . .   $79,243,046.14

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . . . . . $10,372,508.18

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . .  $658,508.74

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $4,112,167.24

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $261,251.31

14.      The Collateral Default Amount for the prior Monthly Period   . . . . . . . . . . . . . . . . . . . . . . .  $382,012.77

15.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

17.      The aggregate amount of Collateral Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . . . .  $0.00

18.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . . . . .  $0.00

   40

                                                                                                           
21.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $270,312.50

22.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $17,187.50

23.      The amount of the Collateral Servicing Fee for the prior Monthly Period is   . . . . . . . . . . . . . . .   $25,000.00

24.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

25.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

26.      The Class A Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $648,750,000.00

27.      The Class A Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $648,750,000.00

28.      The Class B Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $41,250,000.00

29.      The Class B Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $41,250,000.00

30.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

31.      The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds
         the Class B Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

32.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $15,000,000.00

33.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $60,000,000.00





   41

                                                                                                            
34.      The amount on deposit in the Cash Collateral Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $15,000,000.00

35.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $781,250.00

36.      The amount of Servicer Interchange for the prior Monthly Period is   . . . . . . . . . . . . . . . . . . .  $625,000.00

37.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

38.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3.95%

39.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . .   11.58%

40.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7.63%

41.      The amount on deposit in the Principal Funding Account as of the close of business
         on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

42.      The amount on deposit in the Interest Funding Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   3,224,482.82

43.      The amount on deposit in the Reserve Account as of the close of business   . . . . . . . . . . . . . . . . . . .  $0.00
         on the Distribution Date is


                                           Advanta National Bank USA
                                           as Servicer

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

   42
Series 1996-B daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2 -  3/13       1996-B           8.41%            8.41%
          3/14 - 3/31       1996-B           8.36%            8.36%



DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                                                             




   43
                                                                   March, 1997


                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                          Advanta National Bank USA
                   ------------------------------------------
                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1996-C

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1996-C
Supplement dated as of May 13, 1996 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1996-C Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1996-C Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.


                                                                                                                 
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.000000

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.000000

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . . . $0.000000

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . . . $0.000000


   44

                                                                                                          
 7.     The aggregate amount of Collections of Receivables processed for the prior
        Monthly Period which were allocated in respect of the Series 1996-C Certificates  . . . . . . . . . . . $85,142,748.31

 8.     The aggregate amount of Collections of Principal Receivables processed during 
        the prior Monthly Period and allocated in respect of the Series 1996-C Certificates . . . . . . . . . . $73,947,715.73

 9.     The aggregate amount of Reallocated Principal Collections with respect to the 
        prior Monthly Period  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.     The aggregate amount of Collections of Finance Charge Receivables processed during
        the prior Monthly Period and allocated in respect of the Class A Certificates . . . . . . . . . . . . .  $9,685,898.96

11.     The aggregate amount of Collections of Finance Charge Receivables processed during
        the prior Monthly Period and allocated in respect of the Class B Certificates . . . . . . . . . . . . . .  $615,542.21

12.     The Class A Investor Default Amount for the prior Monthly Period is . . . . . . . . . . . . . . . . . .  $3,839,557.18

13.     The Class B Investor Default Amount for the prior Monthly Period is . . . . . . . . . . . . . . . . . . .  $244,213.18

14.     The Collateral Default Amount for the prior Monthly Period  . . . . . . . . . . . . . . . . . . . . . . .  $353,615.88

15.     The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is  . . . . . . . . . . . . .  $0.00

16.     The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is  . . . . . . . . . . . . .  $0.00

17.     The aggregate amount of Collateral Charge-offs for the prior Monthly Period is  . . . . . . . . . . . . . . . .  $0.00

18.     The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is . . . . . . . . . . . .  $0.00

19.     The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is . . . . . . . . . . . .  $0.00

20.     The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is . . . . . . . . . . . . . . .  $0.00


   45


                                                                                       
21.     The amount of the Class A Servicing Fee for the prior Monthly Period is . . . . . . . .  $252,291.67

22.     The amount of the Class B Servicing Fee for the prior Monthly Period is . . . . . . . .   $16,041.67

23.     The amount of the Collateral Servicing Fee for the prior Monthly Period is. . . . . . .   $23,333.33

24.     The Class A Pool Factor as of the Record Date for the Distribution Date is. . . . . . . .   $1.00000

25.     The Class B Pool Factor as of the Record Date for the Distribution Date is. . . . . . . .   $1.00000

26.     The Class A Investor Amount after giving effect to any payments on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $605,500,000.00

27.     The Class A Invested Amount after giving effect to any payments on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $605,500,000.00 

28.     The Class B Investor Amount after giving effect to any payments on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $38,500,000.00

29.     The Class B Invested Amount after giving effect to any payments on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $38,500,000.00

30.     The amount, if any, by which the outstanding principal balance of the Class A
        Certificates exceeds the Class A Investor Amount after giving effect to any
        activity on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

31.     The amount, if any, by which the outstanding principal balance of the Class B
        Certificates exceeds the Class B Investor Amount after giving effect to any
        activity on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

32.     The Available Cash Collateral Amount as of the close of business on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $14,000,000.00

33.     The Collateral Investor Amount as of the close of business on the
        Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $56,000,000.00


   46

                                                                                                             
34.      The amount on deposit in the Cash Collateral Account as of the close of business
         on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $14,000,000.00

35.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . $729,166.67

36.      The amount of Servicer Interchange for the prior Monthly Period is . . . . . . . . . . . . . . . . . . . . . $583,333.34

37.      The Deficit Controlled Amortization Amount (after giving effect to any activity
         on the Distribution Date) is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

38.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.05%

39.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . .  11.58%

40.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7.53%

41.      The amount on deposit in the Principal Funding Account as of the close of business
         on the Distribution Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00

42.      The amount on deposit in the Interest Funding Account as of the close of business
         on the Distribution Date is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,225,190.70

43.      The amount on deposit in the Reserve Account as of the close of business on the
         Distribution Date is . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $0.00


Advanta National Bank USA as Servicer


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



   47

Series 1996-C daily percentages during the prior Monthly Period



                                                Floating        Principal
                                                Allocation      Allocation
                                                Percentage      Percentage
                                                ----------      ----------
                                                         
 3/2  -  3/13           1996-C                    7.85%           7.85%
 3/14 -  3/31           1996-C                    7.80%           7.80%




DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .         137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .          81,211,505.98
         (c)       90-119 days: . . . . . . . . . .          71,294,861.05
         (d)       120-149 days:  . . . . . . . . .          56,091,862.48
         (e)       150-179 days:  . . . . . . . . .          53,850,821.90
         (f)       180 or more days:  . . . . . . .          17,923,703.49


   48
                                                                    March, 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                          Advanta National Bank USA
                  --------------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1996-D

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1996-D
Supplement dated as of June 18, 1996 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1996-D Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1996-D Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.



                                                                                                                
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.501042

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.621875

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . .   $4.501042

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . .   $4.621875

   49

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1996-E Certificates  . . . . . . . . . . . . . . . . . .   $85,129,447.65

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1996-E Certificates  . . . . . . . . . . . . . .   $73,947,715.73

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . . . . .  $9,674,393.89

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . .  $614,810.67

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $3,839,557.18

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $244,213.18

14.      The Collateral Default Amount for the prior Monthly Period   . . . . . . . . . . . . . . . . . . . . . . .  $353,615.88

15.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

17.      The aggregate amount of Collateral Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . . . .  $0.00

18.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . . . . .  $0.00

   50
   

                                                                                                           
21.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . .    $252,291.67

22.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .   $16,041.67

23.      The amount of the Collateral Servicing Fee for the prior Monthly Period is   . . . . . . . . . . . . . . .   $23,333.33

24.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . .        1.00000

25.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . .        1.00000

26.      The Class A Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    $605,500,000.00

27.      The Class A Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $605,500,000.00

28.      The Class B Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     $38,500,000.00

29.      The Class B Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     $38,500,000.00

30.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

31.      The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds
         the Class B Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

32.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $14,000,000.00

33.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $56,000,000.00

    
   51

                                                                                                            
34.      The amount on deposit in the Cash Collateral Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $14,000,000.00

35.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $729,166.67

36.      The amount of Servicer Interchange for the prior Monthly Period is   . . . . . . . . . . . . . . . . . . .  $583,333.34

37.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

38.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.11%

39.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . .   11.56%

40.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7.45%



                                           Advanta National Bank USA
                                           as Servicer

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

   52
Series 1996-D daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2  -  3/13    1996-D             7.85%            7.85%
          3/14 -  3/31    1996-D             7.80%            7.80%



DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49
                                                                             

   53
                                                                   March, 1997

                     MONTHLY CERTIFICATEHOLDER'S STATEMENT
                          Advanta National Bank USA
                  --------------------------------------------

                              ADVANTA Credit Card
                                Master Trust II
                                 SERIES 1996-E

- -------------------------------------------------------------------------------

         Under the Amended and Restated Master Pooling and Servicing Agreement
dated as of December 1, 1993, as amended and restated on May 23, 1994, and as
amended by Amendment Number 1 dated as of July 1, 1994 between Advanta National
Bank USA ("AUS") as Seller and Servicer and Bankers Trust Company, as trustee
(the "Trustee"), and as amended by Amendment Number 2 dated October 6, 1995
among AUS, as Seller and Servicer, Advanta National Bank ("ANB") as Seller and
the Trustee (the "Master Agreement"), as supplemented by the Series 1996-E
Supplement dated as of November 1, 1996 (the "Supplement" and together with the
Master Agreement the "Agreement") among AUS, ANB and the Trustee. AUS as
Servicer, is required to prepare certain information each month regarding
current distributions to all 1996-E Certificateholders.  This statement relates
to the April 15, 1997 Distribution Date (the "Distribution Date") and the
performance of the ADVANTA Credit Card Master Trust II (the "Trust") during the
prior Monthly Period (the "Monthly Period").  Certain of the information is
presented on the basis of an original principal amount of $1,000 per Series
1996-E Certificate.  Certain other information is presented based on the
aggregate amounts for the Trust as a whole.  All capitalized terms used herein
shall have the respective meanings set forth in the Agreement.



                                                                                                                
1.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class A Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.460764

2.       The total amount of the distribution on the Payment Date per $1000 original principal
         amount of Class B Certificates   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $4.646042

3.       The amount of the distribution set forth in paragraph 1 above in respect of principal,
         per $1,000 original principal amount of the Class A Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

4.       The amount of the distribution set forth in paragraph 2 above in respect of principal,
         per $1,000 original principal amount of the Class B Certificates   . . . . . . . . . . . . . . . . . . . . . $0.000000

5.       The amount of distribution set forth in paragraph 1 above in respect of interest,
         per $1,000 principal principal amount of the Class A Certificate   . . . . . . . . . . . . . . . . . . . .   $4.460764

6.       The amount of distribution set forth in paragraph 2 above in respect of interest,
         per $1,000 principal principal amount of the Class B Certificate   . . . . . . . . . . . . . . . . . . . .   $4.646042

   54

                                                                                                            
7.       The aggregate amount of Collections of Receivables processed for the prior Monthly Period
         which were allocated in respect of the Series 1996-E Certificates  . . . . . . . . . . . . . . . . . .   $60,766,334.80

8.       The aggregate amount of Collections of Principal Receivables processed during the prior
         Monthly Period and allocated in respect of the Series 1996-E Certificates  . . . . . . . . . . . . . .   $52,784,422.40

9.       The aggregate amount of Reallocated Principal Collections with respect to the prior Monthly
         Period   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

10.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class A Certificates  . . . . . . . . . . . . . . . . . .  $6,903,671.16

11.      The aggregate amount of Collections of Finance Charge Receivables processed during the prior
         Monthly Period and allocated in respect of the Class B Certificates  . . . . . . . . . . . . . . . . . . .  $442,943.81

12.      The Class A Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $2,740,448.45

13.      The Class B Investor Default Amount for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . .  $176,060.66

14.      The Collateral Default Amount for the prior Monthly Period   . . . . . . . . . . . . . . . . . . . . . . .  $251,387.11

15.      The aggregate amount of Class A Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

16.      The aggregate amount of Class B Investor Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . .  $0.00

17.      The aggregate amount of Collateral Charge-offs for the prior Monthly Period is   . . . . . . . . . . . . . . . .  $0.00

18.      The aggregate amount of Class A Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

19.      The aggregate amount of Class B Investor Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . .  $0.00

20.      The aggregate amount of Collateral Charge-offs reimbursed on such Payment Date is  . . . . . . . . . . . . . . .  $0.00

   55
   

                                                                                                           
21.      The amount of the Class A Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . .  $180,208.33

22.      The amount of the Class B Servicing Fee for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . $11,458.33

23.      The amount of the Collateral Servicing Fee for the prior Monthly Period is   . . . . . . . . . . . . . . . . $16,666.67

24.      The Class A Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

25.      The Class B Pool Factor as of the Record Date for the Distribution Date is   . . . . . . . . . . . . . . . . .  1.00000

26.      The Class A Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $432,500,000

27.      The Class A Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $432,500,000

28.      The Class B Investor Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    $27,500,000

29.      The Class B Invested Amount after giving effect to any payments on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    $27,500,000

30.      The amount, if any, by which the outstanding principal balance of the Class A Certificates
         exceeds the Class A Investor Amount after giving effect to any activity on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

31.      The amount, if any, by which the outstanding principal balance of the Class B Certificates exceeds
         the Class B Investor Amount after giving effect to any activity on the Distribution
         Date is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   0.00

32.      The Available Cash Collateral Amount as of the close of business on the Distribution Date is   . . . .   $10,000,000.00

33.      The Collateral Investor Amount as of the close of business on the Distribution Date is   . . . . . . .   $40,000,000.00

    
   56

                                                                                                            
34.      The amount on deposit in the Cash Collateral Account as of the close of business on the
         Distribution Date is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $10,000,000.00

35.      The amount of Interchange with respect to the prior Monthly Period is  . . . . . . . . . . . . . . . . . .  $520,833.33

36.      The amount of Servicer Interchange for the prior Monthly Period is   . . . . . . . . . . . . . . . . . . .  $416,666.66

37.      The Deficit Controlled Amortization Amount (after giving effect to any activity on the
         Distribution Date) is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $0.00

38.      The percentage by which the Net Portfolio Yield for the prior Monthly Period exceeds
         the Base Rate for such Monthly Period is   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4.16%

39.      The Net Portfolio Yield for the prior Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . .   11.55%

40.      The Base Rate for the Monthly Period is  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  7.39%



                                           Advanta National Bank USA
                                           as Servicer

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

   57
Series 1996-E daily percentages during the prior Monthly Period



                                           Floating         Principal
                                           Allocation       Allocation
                                           Percentage       Percentage
                                           ----------       ----------
                                                     
          3/2  -  3/13    1996-E             5.60%            5.60%
          3/14 -  3/31    1996-E             5.57%            5.57%



DELINQUENT BALANCES

         The aggregate outstanding balance of Accounts which are 30, 60, 90,
         120, 150 and 180 or more days delinquent as of the end of the prior
         Monthly Period is:

         (a)       30-59 days:  . . . . . . . . . .        $137,132,888.15
         (b)       60-89 days:  . . . . . . . . . .         $81,211,505.98
         (c)       90-119 days: . . . . . . . . . .         $71,294,861.05
         (d)       120-149 days:  . . . . . . . . .         $56,091,862.48
         (e)       150-179 days:  . . . . . . . . .         $53,850,821.90
         (f)       180 or more days:  . . . . . . .         $17,923,703.49