Exhibit 31
                         Certification

I, Douglas O. Hart, certify that:

1. I have reviewed this transition report on Form 10-K, and all reports
on Form 8-K containing distribution or servicing reports filed in
respect of periods included in the transition period covered by this
transition report, of the MBNA Master Credit Card Trust II;

2. Based on my knowledge, the information in these reports, taken as a
whole, does not contain any untrue statement of a material fact or omit
to state a material fact necessary to make the statements made, in
light of the circumstances under which such statements were made, not
misleading as of the last day of the period covered by this transition report;

3. Based on my knowledge, the distribution or servicing information
required to be provided to the trustee by the servicer under the
pooling and servicing, or similar, agreement, for inclusion in these
reports is included in these reports;

4. I am responsible for reviewing the activities performed by the
servicer under the pooling and servicing, or similar, agreement, and
based upon my knowledge and the annual compliance review required under
that agreement, and except as disclosed in the reports, the servicer
has fulfilled its obligations under that agreement; and

5. The reports disclose all significant deficiencies relating to the
servicer's compliance with the minimum servicing standards based upon
the report provided by an independent public accountant, after
conducting a review in compliance with the Uniform Single Attestation
Program for Mortgage Bankers or similar procedure, as set forth in the
pooling and servicing, or similar, agreement, that is included in these
reports.

Date:  September 30, 2003


/s/ Douglas O. Hart
Douglas O. Hart
Senior Executive Vice President