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                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report (date of earliest event reported):     March 15, 2004


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                      MBNA MASTER CREDIT CARD TRUST II
            (Exact name of registrant as specified in its charter)



  United States                    333-104089                   51-0331454
- -----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)


                              Wilmington, DE 19884-0781
- -----------------------------------------------------------------------------
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------


ITEM 5.  OTHER EVENTS

On March 15, 2004 the MBNA Master Credit Card Trust II Series 1997-C (the
"Series") will be terminated in accordance with the provisions of Section 10
of the Series 1997-C Supplement dated as of March 26, 1997, to the Pooling
and Servicing Agreement dated as of August 4, 1994 (the "Pooling and
Servicing Agreement") and subsection 12.03 of the Pooling and Servicing
Agreement. Final Payment will be made on the Series certificates after
presentation and surrender of the Series certificates at the offices of The
Bank of New York, as the Trustee.

Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS

The following are filed as Exhibits to this Report under Exhibit 20:


20.1. Series 1995-A Certificateholders' Statement for the month ended
February 29, 2004.

20.2. Series 1995-C Certificateholders' Statement for the month ended
February 29, 2004.

20.3. Series 1996-B Certificateholders' Statement for the month ended
February 29, 2004.

20.4. Series 1996-G Certificateholders' Statement for the month ended
February 29, 2004.

20.5. Series 1996-M Certificateholders' Statement for the month ended
February 29, 2004.

20.6. Series 1997-B Certificateholders' Statement for the month ended
February 29, 2004.

20.7. Series 1997-C Certificateholders' Statement for the month ended
February 29, 2004.

20.8. Series 1997-I Certificateholders' Statement for the month ended
February 29, 2004.

20.9. Series 1997-J Certificateholders' Statement for the month ended
February 29, 2004.

20.10. Series 1997-K Certificateholders' Statement for the month ended
February 29, 2004.

20.11. Series 1998-E Certificateholders' Statement for the month ended
February 29, 2004.

20.12. Series 1998-F Certificateholders' Statement for the month ended
February 29, 2004.

20.13. Series 1998-G Certificateholders' Statement for the month ended
February 29, 2004.

20.14. Series 1999-B Certificateholders' Statement for the month ended
February 29, 2004.

20.15. Series 1999-D Certificateholders' Statement for the month ended
February 29, 2004.

20.16. Series 1999-G Certificateholders' Statement for the month ended
February 29, 2004.

20.17. Series 1999-H Certificateholders' Statement for the month ended
February 29, 2004.

20.18. Series 1999-J Certificateholders' Statement for the month ended
February 29, 2004.

20.19. Series 1999-L Certificateholders' Statement for the month ended
February 29, 2004.

20.20. Series 1999-M Certificateholders' Statement for the month ended
February 29, 2004.

20.21. Series 2000-A Certificateholders' Statement for the month ended
February 29, 2004.

20.22. Series 2000-C Certificateholders' Statement for the month ended
February 29, 2004.

20.23. Series 2000-D Certificateholders' Statement for the month ended
February 29, 2004.

20.24. Series 2000-E Certificateholders' Statement for the month ended
February 29, 2004.

20.25. Series 2000-F Certificateholders' Statement for the month ended
February 29, 2004.

20.26. Series 2000-G Certificateholders' Statement for the month ended
February 29, 2004.

20.27. Series 2000-H Certificateholders' Statement for the month ended
February 29, 2004.

20.28. Series 2000-I Certificateholders' Statement for the month ended
February 29, 2004.

20.29. Series 2000-K Certificateholders' Statement for the month ended
February 29, 2004.

20.30. Series 2000-L Certificateholders' Statement for the month ended
February 29, 2004.

20.31. Series 2001-A Certificateholders' Statement for the month ended
February 29, 2004.

20.32. Series 2001-B Certificateholders' Statement for the month ended
February 29, 2004.



                                SIGNATURES



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


Dated:     March 15, 2004


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Marcie Copson-Hall
                                   ----------------------------------
                                    Name:   Marcie Copson-Hall
                                    Title:  Executive Vice President