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                      SECURITIES AND EXCHANGE COMMISSION
                           WASHINGTON, D.C.  20549
                                FORM 8-K
                             CURRENT REPORT
                    Pursuant to Section 13 or 15(d) of the
                       Securities Exchange Act of 1934

              Date of Report (date of earliest event reported):
February 17, 1998

                    ADVANTA Credit Card Master Trust II
            (Exact name or Registrant as specified in its charter)

   New York              Reg. No. 333-05433            Not Required
(State or other          (Commission File            (I.R.S. Employer
jurisdiction                  Number)                 Identification
of incorporation)                                         Number)

                          Advanta National Bank
                        Attention: Elizabeth H. Mai
                        Delaware Corporate Center I

              One Righter Parkway, Wilmington, Delaware  19803

                       (Address of Owner/Servicer)

                  (Address of principal executive offices)

              (302) 266-5600  (Telephone Number of Owner/Servicer)
                      (Registrant's Telephone Number)


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        Items 1-4.  Inapplicable.

        Item 5.  Other Events.

Information relating to the distributions to Certificateholders for the 
January 1998 Monthly Period of the Trust in respect of the following
Floating Rate Asset Backed Certificates: Series 1994-B, Series 1994-D,
Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F Class A-2
and Class B, Series 1995-G, Series 1996-A Class A-2 and Class B,
Series 1996-B, Series 1996-C, Series 1996-D and Series 1996-E and
the following Fixed Rate Asset Backed Certificates: Series 1995-F, Class
A-1 and Series 1996-A, Class A-1 (the "Certificates") issued by the 
Registrant and to the performance of the Trust (including collections
of Principal Receivables and Finance Charge Receivables, Principal
Receivables in the Trust, delinquent balances in Accounts, the
Investor Default Amounts, the amount of Investor Charge Offs, and 
the Investor Servicing Fees), together with certain other information
relating to the Certificates, is contained in the Monthly Report for the
Monthly Period provided to Certificateholders pursuant to the Pooling and
Servicing Agreement date as of December 1, 1993 (hereinafter as such agreement
may have been or may be from time to time, supplemented, amended or otherwise
modified, (the "Agreement"), between Advanta National Bank (formerly
known as Advanta National Bank USA)and Bankers Trust Company, as Trustee.
Capitalized terms not otherwise defined herein have the meanings assigned
in the Agreement.

Effective June 30, 1997, Advanta National Bank ("ANB"), a national banking
association (the "Merged Bank"), merged with and into Advanta National Bank USA
(formerly known as Colonial National Bank USA), a national banking association
(the "Surviving Bank"), and the Surviving Bank simultaneously changed its name
to Advanta National Bank (the "Bank").  The Surviving Bank has assumed the 
performance of every covenant and obligation of the Merged Bank as a Seller
under the Pooling and Servicing Agreement, all existing Supplements thereto,
and all related Enhancement Agreements entered into in connection with the
various Series of Certificates.

        Item 6.  Inapplicable.

        Item 7.  Financial Statements,
                 Pro Forma Financial Information and Exhibits.

1.   Monthly Reports for the January 1998 Monthly Period relating to the
     following Floating Rate Asset Backed Certificates: Series 1994-B, Series
     1994-D, Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F Class
     A-2 and Class B, Series 1995-G, Series 1996-A Class A-2 and Class B,
     Series 1996-B, Series 1996-C, Series 1996-D and Series 1996-E and the
     following Fixed Rate Asset Backed Certificates: Series 1995-F Class A-1
     and Series 1996-A Class A-1 issued by ADVANTA Credit Card Master Trust II.

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                              SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
                                     ADVANTA Credit Card Master Trust II

                       (Registrant)
                           BY:      ADVANTA NATIONAL BANK
                           (formerly known as Advanta National Bank USA)

                                         (Owner/Servicer)

Date: February 17, 1998    By:    /s/ MICHAEL COCO
                                 ---------------------
                           Name:   Michael Coco
                           Title:  Vice President

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                             EXHIBIT INDEX

                                                             Sequential
Exhibit                                                      Page Number
1.   Monthly Reports for the January 1998 Monthly Period          5
     relating to the Asset Backed Certificates Series 1994-B,
     Series 1994-D, Series 1995-A, Series 1995-C, Series
     1995-D, Series 1995-F, Series 1995-G, Series 1996-A,
     Series 1996-B, Series 1996-C, Series 1996-D and Series
     1996-E issued by the ADVANTA Credit Card Master Trust II.