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):
July 9, 1996
ADVANTA CREDIT CARD MASTER TRUST II
(Exact name of Registrant as specified in its
charter)
New York Reg. No. 33-79986 Not Required
(State or other (Commission File (I.R.S. Employer
jurisdiction Number) Identification
of incorporation) Number)
Advanta National Bank USA
Attention: Gene S. Schneyer
Brandywine Corporate Center
650 Naamans Road,Claymont, Delaware 19703
(Address of Owner/Servicer)
(Address of principal executive offices)
(302) 791-4400 (Telephone Number of Owner/Servicer)
(Registrant's Telephone Number)
Items 1-4. Inapplicable.
Item 5. Other Events.
Information relating to the distributions to
Certificateholders for the June 1996 Monthly Period of
the Trust in respect of the following Floating Rate Asset
Backed Certificates: Series 94-B, Series 94-D, Series 95-
A, Series 95-C, Series 95-D, Series 95-F, of which Class
A-1 is a Fixed rate, Series 95-G,Series 96-A, of which
Class A-1 is a Fixed rate,and 96-B,(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 (the "Agreement") dated as of December 1, 1993
between Advanta National Bank USA and Bankers Trust
Company, as trustee. Capitalized terms not otherwise
defined herein have the meanings assigned in the
Agreement.
Item 6. Inapplicable.
Item 7. Financial Statements, Pro Forma
Financial Information and Exhibits.
1. Monthly Reports for the June 1996 Monthly Period
relating to the following Floating Rate Asset Backed
Certificates: Series 94-B, Series 94-D, Series 95-A,
Series 95-C, Series 95-D, Series 95-F, of which Class A-
1 is a Fixed rate, Series 95-G, Series 96-A, of which
Class A-1 is a Fixed rate, and 96-B, issued by the
Advanta Credit Card Master Trust II.
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 USA
(Owner/Servicer)
Date: July 17, 1996 By:_/s/Michael Coco
Name: Michael Coco
Title: Vice President
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 USA
(Owner/Servicer)
Date: July 17, 1996
By:_________________________
Name: Michael Coco
Title: Vice President
EXHIBIT INDEX
Exhibit Sequential Page Number
1. Monthly Reports for the June 1996 Monthly 5
Period relating to the Asset Backed Certificates
Series 94-B, Series 94-D, Series 95-A,
Series 95-C, Series 95-D,Series 95-F, Series 95-G,
Series 96-A, and Series 96-B issued by the ADVANTA
Credit Card Master Trust II.
(sec-mtII.doc)
June, 1996
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 May 23, 1994 (the
Master Agreement), by and between Advanta National
Bank USA (Advanta), as Seller and Servicer, and Bank-
ers Trust Company, as trustee, as supplemented by the
Series 1994-B Supplement dated as of July 19, 1994 (the
Supplement, and together with the Master Agreement, the
Agreement), between Colonial and the Trustee, Advanta,
as Servicer, is required to prepare certain information
each month regarding current distributions to all Series
1994-B Certificateholders. This statement relates to the
July 15, 1996 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
Distribution Date per $1,000 original principal
amount of the Class A Certificates . . . . . . . $4.495556
(2)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the Class B Certificates . . . . . . $4.690000
(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 .. . . $0.00
(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 .. . . $0.00
(5)The amount of distribution set forth in para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A
Certificates .. . . $4.495556
(6)The amount of distribution set forth in para-
graph 2 above in respect of interest per $1,000
original principal amount of the Class B
Certificates . . . . $4.690000
(7)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of
Series 1994-B . . . . $66,439,480.00
(8)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of
Series 1994-B . .. . $57,437,064.00
(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 . . . . $7,923,213.00
(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 .. . . $360,903.00
(12)The Principal Allocation Percentage(s)
during the prior Monthly
Period . . . . 6/1/96 - 6/17/96 9.76%
6/18/96 - 6/29/96 8.93%
6/30/96 - 6/30/96 8.75%
(13)The Floating Allocation Percentage(s)
during the prior Monthly
Period .. . . 6/1/96 - 6/17/96 9.76%
6/18/96 - 6/29/96 8.93%
6/30/96 - 6/30/96 8.75%
(14)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: .. . . 32,742,995.27
(d) 120 - 149 days : . . . 25,958,418.37
(e) 150 - 179 days: .. . . 19,658,273.44
(f) 180 or more days: . . . 5,110,396.88
(15)The Class A Investor Default Amount for
the prior Monthly Period is . . . $1,974,662.00
(16)The Class B Investor Default Amount for
the prior Monthly Period is .. . . $89,955.00
(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 the Distribution Date
is .. . . $0.00
(20)The aggregate amount of Class B Investor
Charge-offs reimbursed on the Distribution Date
is .. . . $0.00
(21)The amount of the Class A Servicing Fee for the
prior Monthly Period is .. . . $1,100,000.00
(22)The amount of the Class B Servicing Fee for the
prior Monthly Period is . . . . $50,000.00
(23)The Class A Pool Factor as of the Record Date
for the Distribution Date is .. . . 1.00
(24)The Class B Pool Factor as of the Record Date
for the Distribution Date is .. . . 1.00
(25)The Class A Investor Amount after giving
effect to any payments on the Distribution Date
is .. . . $660,000,000.00
(26)The Class A Invested Amount after giving
effect to any payments on the Distribution Date
is .. . . $660,000,000.00
(27)The Class B Investor Amount after giving
effect to any payments on the Distribution Date
is .. . . $30,000,000.00
(28)The Class B Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $30,000,000.00
(29)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
(30)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
(31)The Available Cash Collateral Amount as
of the close of business on the Distribution
Date is . . . . $15,000,000.00
(32)The Collateral Investor Amount as of the close
of business on the Distribution
Date is . . . . $60,000,000.00
(33)The Available Enhancement Amount as
of the close of business on the Distribution
Date is . . . . $75,000,000.00
(34)The amount by which the Net Portfolio Yield
for the prior Monthly Period exceeds the Base
Rate for such Monthly Period . . . . 3.38%
(35)The amount of Interchange with respect to the
prior Monthly Period is .. . . $937,500.00
(36)The Deficit Controlled Amortization Amount
(after giving effect to any activity on the
Distribution Date) is .. . . $0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: _________________________________________
Michael Coco
VICE PRESIDENT
June, 1996
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 May 23, 1994 (the
Master Agreement), by and between Advanta National
Bank USA (Advanta), as Seller and Servicer, and Bank-
ers Trust Company, as trustee, as supplemented by the
Series 1994-D Supplement dated as of October 11, 1994 (the
Supplement, and together with the Master Agreement, the
Agreement), between Advanta and the Trustee, Advanta,
as Servicer, is required to prepare certain information
each month regarding current distributions to all Series
1994-D Certificateholders. This statement relates to the
July 15, 1996 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
Distribution Date per $1,000 original principal
amount of the Class A Certificates .. . . $4.402222
(2)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the Class B Certificates . . . . $4.557780
(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 .. . . $0.00
(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 . . . . $0.00
(5)The amount of distribution set forth in para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A
Certificates . . . . $4.402222
(6)The amount of distribution set forth in para-
graph 2 above in respect of interest per $1,000
original principal amount of the Class B
Certificates .. . . $4.557780
(7)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of
Series 1994-D .. . . $88,591,819.00
(8)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of
Series 1994-D . . . . $76,587,889.00
(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 .. . . $10,264,443.00
(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 . . . . $597,883.00
(12)The Principal Allocation Percentage(s)
during the prior Monthly
Period .. . .
6/1/96 - 6/17/96 13.02%
6/18/96 - 6/29/96 11.90%
6/30/96 - 6/30/96 11.67%
(13)The Floating Allocation Percentage(s)
during the prior Monthly
Period .. . .
6/1/96 - 6/17/96 13.02%
6/18/96 - 6/29/96 11.90%
6/30/96 - 6/30/96 11.67%
(14)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: . . . . 32,742,995.27
(d) 120 - 149 days : . . . 25,958,418.37
(e) 150 - 179 days: . . . .19,658,273.44
(f) 180 or more days: . . . 5,110,396.88
(15)The Class A Investor Default Amount for
the prior Monthly Period is .. . . $2,558,177.00
(16)The Class B Investor Default Amount for
the prior Monthly Period is .. . . $148,951.00
(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 the Distribution Date
is .. . . $0.00
(20)The aggregate amount of Class B Investor
Charge-offs reimbursed on the Distribution Date
is .. . . $0.00
(21)The amount of the Class A Servicing Fee for the
prior Monthly Period is .. . . $1,425,000.00
(22)The amount of the Class B Servicing Fee for the
prior Monthly Period is .. . . $83,333.00
(23)The Class A Pool Factor as of the Record Date
for the Distribution Date is .. . . 1.00
(24)The Class B Pool Factor as of the Record Date
for the Distribution Date is .. . . 1.00
(25)The Class A Investor Amount after giving
effect to any payments on the Distribution Date
is .. . . $855,000,000.00
(26)The Class A Invested Amount after giving
effect to any payments on the Distribution Date
is .. . . $855,000,000.00
(27)The Class B Investor Amount after giving
effect to any payments on the Distribution Date
is .. . . $50,000,000.00
(28)The Class B Invested Amount after giving
effect to any payments on the Distribution Date
is .. . . $50,000,000.00
(29)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
(30)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
(31)The Available Cash Collateral Amount as
of the close of business on the Distribution
Date is .. . . $10,000,000.00
(32)The Collateral Investor Amount as of the close
of business on the Distribution
Date is .. . . $95,000,000.00
(33)The Available Enhancement Amount as
of the close of business on the Distribution
Date is . . . . $105,000,000.00
(34)The amount by which the Net Portfolio Yield
for the prior Monthly Period exceeds the Base
Rate for such Monthly Period . . . . 3.49%
(35)The amount of Interchange with respect to the
prior Monthly Period is . . . . $1,250,000.00
(36)The Deficit Controlled Amortization Amount
(after giving effect to any activity on the
Distribution Date) is . . . . $0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: _________________________________________
Michael Coco
VICE PRESIDENT
June, 1996
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 May 23, 1994 (the
Master Agreement), by and between Advanta National
Bank USA (Advanta), as Seller and Servicer, and Bank-
ers Trust Company, as trustee, as supplemented by the
Series 1995-A Supplement dated as of January 18, 1995 (the
Supplement, and together with the Master Agreement, the
Agreement), between Colonial and the Trustee, Advanta,
as Servicer, is required to prepare certain information
each month regarding current distributions to all Series
1995-A Certificateholders. This statement relates to the
July 15, 1996 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
Distribution Date per $1,000 original principal
amount of the Class A Certificates .. . . $4.417778
(2)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the Class B Certificates . . . . $4.569457
(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 . . . . $0.00
(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 . . . . $0.00
(5)The amount of distribution set forth in para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A
Certificates . . . . $4.417778
(6)The amount of distribution set forth in para-
graph 2 above in respect of interest per $1,000
original principal amount of the Class B
Certificates . . . . $4.569457
(7)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of
Series 1995-A . . . . $61,854,077.00
(8)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of
Series 1995-A . . . . $53,598,877.00
(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 . . . . $7,057,666.00
(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 . . . . $416,005.00
(12)The aggregate amount of Principal Receivables
as of the last day of the prior Monthly Period. . . .
$8,568,067,398.30
(13)The Excess Funding Amount as of the last day
of the prior Monthly Period. . . . $50,927,000.00
(14)The aggregate amount of Finance Charge
Receivables as of the last day of the prior
Monthly Period. . . . $94,511,765.14
(15)The Principal Allocation Percentage(s)
during the prior Monthly
Period .. . .
6/1/96 - 6/17/96 9.11%
6/18/96 - 6/29/96 8.33%
6/30/96 - 6/30/96 8.17%
(16)The Floating Allocation Percentage(s)
during the prior Monthly
Period . . . .
6/1/96 - 6/17/96 9.11%
6/18/96 - 6/29/96 8.33%
6/30/96 - 6/30/96 8.17%
(17)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: . . . . 32,742,995.27
(d) 120 - 149 days : . . . 25,958,418.37
(e) 150 - 179 days: . . . .19,658,273.44
(f) 180 or more days: . . . 5,110,396.88
(18)The Class A Investor Default Amount for
the prior Monthly Period is . . . . $1,789,981.00
(19)The Class B Investor Default Amount for
the prior Monthly Period is . . . . $105,645.00
(20)The aggregate amount of Class A Investor
Charge-Offs for the prior Monthly
Period is . . . . $0.00
(21)The aggregate amount of Class B Investor
Charge-Offs for the prior Monthly
Period is . . . . $0.00
(22)The aggregate amount of Class A Investor
Charge-Offs reimbursed on the Distribution Date
is . . . . $0.00
(23)The aggregate amount of Class B Investor
Charge-Offs reimbursed on the Distribution Date
is . . . . $0.00
(24)The amount of the Class A Servicing Fee for the
prior Monthly Period is . . . . $997,500.00
(25)The amount of the Class B Servicing Fee for the
prior Monthly Period is . . . . $58,333.00
(26)The Class A Pool Factor as of the Record Date
for the Distribution Date is . . . . 1.00
(27)The Class B Pool Factor as of the Record Date
for the Distribution Date is . . . . 1.00
(28)The Class A Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $598,500,000.00
(29)The Class A Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $598,500,000.00
(30)The Class B Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $35,000,000.00
(31)The Class B Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $35,000,000.00
(32)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
(33)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
(34)The Available Cash Collateral Amount as
of the close of business on the Distribution
Date is . . . . $7,000,000.00
(35)The Collateral Investor Amount as of the close
of business on the Distribution
Date is . . . . $66,500,000.00
(36)The Available Enhancement Amount as
of the close of business on the Distribution
Date is . . . . $73,500,000.00
(37)The Net Portfolio Yield for the prior
Monthly Period.. . . 10.56%
(38)The Base Rate for the Prior Monthly
Period. . . . 7.35%
(39)The percentage by which the Net Portfolio Yield
for the prior Monthly Period exceeds the Base
Rate for such Monthly Period . . . . 3.21%
(40)The amount of Interchange with respect to the
prior Monthly Period is . . . . $729,167.00
(41)The Deficit Controlled Amortization Amount
(after giving effect to any activity on the
Distribution Date) is . . . . $0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: _________________________________________
Michael Coco
VICE PRESIDENT
June, 1996
MONTHLY CERTIFICATEHOLDER'S STATEMENT
ADVANTA NATIONAL BANK
________________________________________
ADVANTA CREDIT CARD MASTER TRUST II
SERIES 1995-C
_________________________________________
Under the Amended and Restated Master Pooling
and Servicing Agreement dated as of May 23, 1994 (the
Master Agreement), by and between Advanta National
Bank USA ("Advanta"), as Seller and Servicer, and Bankers
Trust Company, as Trustee, as supplemented by the
Series 1995-C Supplement dated as of April 27, 1995 (the
"Supplement," and together with the Master Agreement, the
"Agreement"), between Advanta and the Trustee, Advanta,
as Servicer, is required to prepare certain information
each month regarding current distributions to all Series
1995-C Certificateholders. This statement relates to the
July 15, 1996 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
Distribution Date per $1,000 original principal
amount of the Class A Certificates . . . . $0.000000
(2)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the 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 para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A
Certificates . . . . $0.000000
(6)The amount of distribution set forth in para-
graph 2 above in respect of interest per $1,000
original principal amount of the Class B
Certificates .. . . $0.000000
(7)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of
Series 1995-C . . . . $50,802,983.00
(8)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of
Series 1995-C . . . . $44,010,414.00
(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 .. . . $5,776,904.00
(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 . . . . $407,845.00
(12)The aggregate amount of Principal
Receivables as of the last day of the prior
Monthly Period .. . . $8,568,067,398.30
(13)The Excess Funding Amount as of the last
day of the prior Monthly Period . . . . $50,927,000.00
(14)The aggregate amount of Finance Charge
Receivables as of the last day of the prior
Monthly Period . . . . $94,511,765.14
(15)The Principal Allocation Percentage(s)
during the prior Monthly Period is . . . .
6/1/96 - 6/17/96 7.48%
6/18/96 - 6/29/96 6.84%
6/30/96 - 6/30/96 6.71%
0.00%
0.00%
(16)The Floating Allocation Percentage(s)
during the prior Monthly Period . . . .
6/1/96 - 6/17/96 7.48%
6/18/96 - 6/29/96 6.84%
6/30/96 - 6/30/96 6.71%
0.00%
0.00%
(17)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: . . . . 32,742,995.27
(d) 120 - 149 days: . . . 25,958,418.37
(e) 150 - 179 days:. . . . 19,658,273.44
(f) 180 or more days: . . . 5,110,396.88
(18)The Class A Investor Default Amount for
the prior Mothly Period is . . . . $1,462,130.00
(19)The Class B Investor Default Amount for
the prior Monthly Period is . . . . $103,257.00
(20)The aggregate amount of Class A Investor
Charge-offs for the prior Monthly Period is . . . . $0.00
(21)The aggregate amount of Class B Investor
Charge-offs for the prior Monthly Period is . . . . $0.00
(22)The aggregate amount of Class A Investor
Charge-Offs Reimbursed on the Distribution Date
is . . . . $0.00
(23)The aggregate amount of Class B Investor
Charge-Offs Reimbursed on the Distribution Date
is . . . . $0.00
(24)The Amount of Class A Servicing Fee for the
prior Monthly Period is . . . . $814,583.00
(25)The Amount of Class B Servicing Fee for the
prior Monthly Period is . . . . $57,500.00
(26)The Class A Pool Factor as of the Record date
for the Distribution Date is . . . . 1.00
(27)The Class B Pool Factor as of the Record date
for the Distribution Date is . . . . 1.00
(28)The Class A Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $488,750,000.00
(29)The Class A Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $488,750,000.00
(30)The Class B Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $34,500,000.00
(31)The Class B Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $34,500,000.00
(32)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
(33)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
(34)The Available Cash Collateral Amount as
of the close of business on the Distribution
Date is . . . . $8,625,000.00
(35)The Collateral Investor Amount as of the close
of business on the Distribution
Date is . . . . $51,750,000.00
(36)The Available Enhancement Amount as
of the close of business on the Distribution
Date is . . . . $60,375,000.00
(37)The amount on deposit in the Funding Account as of
the close of business on the Distribution
Date is . . . . $0.00
(38)The amount on deposit in the Principal Funding Ac-
count as of the close of business on the Distribution
Date is . . . . $0.00
(39)The amount on deposit in the Interest Funding Ac-
count as of the close of business on the Distribution
Date is . . . . $2,369,600.00
(40)The amount on deposit in the Reserve Account as
of the close of business on the Distribution
Date is . . . . $0.00
(41)The Net Portfolio Yield for the prior Monthly
Period . . . . 10.59%
(42)The Base Rate for the prior Monthly Period . . . . 7.45%
(43)The percentage by which the Net Portfolio Yield
for the prior Monthly Period exceeds the Base
Rate for such Monthly Period . . . . 3.14%
(44)The amount of Interchange with respect to the
prior Monthly Period is . . . . $598,959.00
(45)The Deficit Controlled Amortization Amount
(after giving effect to any activity on the
Distribution Date) is . . . . $0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: ____________________________________
Michael Coco
VICE PRESIDENT
June, 1996
MONTHLY CERTIFICATEHOLDER'S STATEMENT
ADVANTA NATIONAL BANK USA
______________________________
ADVANTA CREDIT CARD MASTER TRUST II
SERIES 1995 D
______________________________
Under the Amended and Restated Pooling and Servicing
Agreement dated as of December 1, 1993 and as amended and
restated on May 23, 1994 ( as amended, the Pooling and
Servicing Agreement"),by and between Advanta National Bank
USA ("Advanta"), as Seller and Servicer, and Bankers Trust
Company, as trustee ( the"Trustee"), as supplemented by the
Series 1995-D Supplement dated as of July 25, 1995 (the
"Supplement," and together with the Pooling and Servicing
Agreement, the "Agreement"), between Advanta and the
Trustee. Advanta, as Servicer, is required to prepare
certain information each month regarding current
distributions to all Series 1995-D Certificateholders. This
statement relates to the July 15, 1996 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.
(1a)The total amount of the distribution on the Distribution
Date per $1,000 original principal amount of the Class A
Certificates$ 4.422514
(1b)The total amount of the distribution on the Distribution
Date per $1,000 original principal amount of the Class B
Certificates$ 4.523633
(2)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
(3)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
(4)The amount of distribution set forth in paragraph 1 above
in respect of interest per $1,000 original principal amount
of the Class A Certificates$ 4.422514
(5)The amount of distribution set forth in paragraph 2 above
in respect of interest per $1,000 original principal amount
of the Class B Certificates$ 4.523633
(6)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were allocated
in respect of the Series 1995-D Certificates$ 53,022,093.00
(7)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly Period and
allocated in respect of the Series 1995-D Certificates
$ 45,945,679.00
(8)The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period$ 0.00
(9)The aggregate amount of Collections of Finance Charge
Receivables processed during the prior Monthly Period and
allocated in respect of the Class A Certificates
$ 6,721,761.00
(10)The aggregate amount of Collections of Finance Charge
Receivables processed during the prior Monthly Period and
allocated in respect of the Class B Certificates$ 354,653.00
(11)The Principal Allocation Percentage(s) during the prior
Monthly Period
6/1/96 - 6/17/96 7.81%
6/18/96 - 6/29/96 7.14%
6/30/96 - 6/30/96 7.00%
(12)The Floating Allocation Percentage(s) during the prior
Monthly Period
6/1/96 - 6/17/96 7.81%
6/18/96 - 6/29/96 7.14%
6/30/96 - 6/30/96 7.00%
0.000.00%
0.000.00%
(13)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: . . . . 32,742,995.27
(d) 120 - 149 days: . . . .25,958,418.37
(e) 150 - 179 days: . . . .19,658,273.44
(f) 180 or more days: . . . 5,110,396.88
(14)The Class A Investor Default Amount for the prior
Monthly Period is $ 1,704,793.00
(15)The Class B Investor Default Amount for the prior
Monthly Period is $ 89,955.00
(16)The aggregate amount of Class A Investor Charge-offs for
the prior Monthly Period is $ 0.00
(17)The aggregate amount of Class B Investor Charge-offs for
the prior Monthly Period is $ 0.00
(18)The aggregate amount of Class A Investor Charge-offs
reimbursed on the Distribution Date is $ 0.00
(19)The aggregate amount of Class B Investor Charge-Offs
reimbursed on the Distribution Date is $ 0.00
(20)The amount of the Class A Servicing Fee for the prior
Monthly Period is $ 950,000.00
(21)The amount of the Class B Servicing Fee for the prior
Monthly Period is $ 50,000.00
(22)The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00
(23)The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00
(24)The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $ 570,000,000.00
(25)The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $ 570,000,000.00
(26)The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $ 30,000,000.00
(27)The Class A-1 Invested Amount after giving effect to any
payments on the Distribution Date is $ 519,000,000.00
(28)The Class A-2 Invested Amount after giving effect to any
payments on the Distribution Date is $ 51,000,000.00
(29)The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $ 30,000,000.00
(30)The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $ 30,000,000.00
(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 $ 63,000,000.00
(34)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 is $ 63,000,000.00
(35)The amount by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such Monthly
Period 3.25%
(36)The amount of Interchange with respect to the prior
Monthly Period is $ 625,000.00
(37)The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) $ 0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: ____________________________________
Michael Coco
VICE PRESIDENT
June, 1996
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 May 23, 1994 (the
Master Agreement), by and between Advanta National
Bank USA (Advanta), as Seller and Servicer, Advanta National
Bank (ANB), as Seller and, together with Advanta ( the
Banks) and Bankers Trust Company, as trustee, as
supplemented by the Series 1995-F Supplement dated as of
November 21, 1995(the Supplement, and together with the
Master Agreement, the Agreement), between the Banks and the
Trustee, Advanta,as Servicer, is required to prepare certain
information each month regarding current distributions to
all Series 1995-F Certificateholders. This statement
relates to the July 15, 1996 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
Distribution Date per $1,000 original principal
amount of the Class A1 Certificates . . . . $5.041666
(2)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the Class A2 Certificates . . . . $4.422514
(3)The total amount of the distribution on the
Distribution Date per $1,000 original principal
amount of the Class B Certificates . . . . $4.508078
(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 A1
Certificates . . . . $0.00
(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 A2
Certificates . . . . $0.00
(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 .. . . $0.00
(7)The amount of distribution set forth in para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A1
Certificates . . . . $5.041666
(8)The amount of distribution set forth in para-
graph 1 above in respect of interest per $1,000
original principal amount of the Class A2
Certificates . . . . $4.422514
(9)The amount of distribution set forth in para-
graph 2 above in respect of interest per $1,000
original principal amount of the Class B
Certificates . . . . $4.508078
(10)The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of Series
1995 - F . . . . $75,115,228.73
(11)The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of Series
1995 - F.. . . $65,090,266.00
(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 . . . . $8,921,892.40
(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 . . . . $525,539.98
(15)The aggregate amount of Principal Receivables
as of the last day of the prior Monthly Period. . . .
$8,568,067,398.30
(16)The Excess Funding Amount as of the last day
of the prior Monthly Period. . . . $0.00
(17)The aggregate amount of Finance Charge
Receivables as of the last day of the prior
Monthly Period.. . . $94,511,765.14
(18)The Principal Allocation Percentage(s)
during the prior Monthly Period .. . .
6/1/96 - 6/17/96 11.06%
6/18/96 - 6/29/96 10.12%
6/30/96 - 6/30/96 9.92%
(19)The Floating Allocation Percentage(s)
during the prior Monthly
Period .. . .
6/1/96 - 6/17/96 11.06%
6/18/96 - 6/29/96 10.12%
6/30/96 - 6/30/96 9.92%
(20)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: . . . . 99,639,382.50
(b) 60 - 89 days: . . . . 49,049,028.41
(c) 90 - 119days: . . . . 32,742,995.27
(d) 120 - 149 days:. . . . 25,958,418.37
(e) 150 - 179 days:. . . . 19,658,273.44
(f) 180 or more days:. . . .5,110,396.88
(21)The Class A Investor Default Amount for
the prior Monthly Period is . . . . $2,262,662.00
(22)The Class B Investor Default Amount for
the prior Monthly Period is . . . . $133,261.00
(23)The aggregate amount of Class A Investor
Charge-Offs for the prior Monthly
Period is . . . . $0.00
(24)The aggregate amount of Class B Investor
Charge-Offs for the prior Monthly
Period is . . . . $0.00
(25)The aggregate amount of Class A Investor
Charge-Offs reimbursed on the Distribution Date
is . . . . $0.00
(26)The aggregate amount of Class B Investor
Charge-Offs reimbursed on the Distribution Date
is . . . . $0.00
(27)The amount of the Class A Servicing Fee for the
prior Monthly Period is . . . . $1,260,833.00
(28)The amount of the Class B Servicing Fee for the
prior Monthly Period is . . . . $74,375.00
(29)The Class A Pool Factor as of the Record Date
for the Distribution Date is . . . . 1.00
(30)The Class B Pool Factor as of the Record Date
for the Distribution Date is . . . . 1.00
(31)The Class A1 Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $378,250,000.00
(32)The Class A2 Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $378,250,000.00
(33)The Class A1 Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $378,250,000.00
(34)The Class A2 Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $378,250,000.00
(35)The Class B Investor Amount after giving
effect to any payments on the Distribution Date
is . . . . $44,625,000.00
(36)The Class B Invested Amount after giving
effect to any payments on the Distribution Date
is . . . . $44,625,000.00
(37)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
(38)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
(39)The Available Cash Collateral Amount as
of the close of business on the Distribution
Date is . . . . $17,000,000.00
(40)The Collateral Investor Amount as of the close
of business on the Distribution
Date is . . . . $48,875,000.00
(41)The Available Enhancement Amount as
of the close of business on the Distribution
Date is . . . . $65,875,000.00
(42)The Net Portfolio Yield for the prior
Monthly Period. . . . 10.56%
(43)The Base Rate for the Prior Monthly
Period. . . . 7.67%
(44)The percentage by which the Net Portfolio Yield
for the prior Monthly Period exceeds the Base
Rate for such Monthly Period . . . . 2.89%
(45)The amount of Interchange with respect to the
prior Monthly Period is . . . . $885,416.00
(46)The amount of Servicer Interchange with respect to the
prior Monthly Period is . . . . $708,333.00
(47)The Deficit Controlled Amortization Amount
(after giving effect to any activity on the
Distribution Date) is . . . . $0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By: ____________________________________
Michael Coco
VICE PRESIDENT
June, 1996
FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT
ADVANTA NATIONAL BANK USA
______________________________
ADVANTA CREDIT CARD MASTER TRUST II
SERIES 1995 G
______________________________
Under the Amended and Restated Pooling and Servicing
Agreement dated as of December 1, 1993, and as amended and
restated on May 23, 1994, and as amended by
Amendment Number 1 dated as of July 1, 1994, by and between
Advanta National Bank USA, a national banking association
organized under the laws of the United States ("Advanta"),
as Seller and Servicer, and Bankers Trust Company, as
Trustee (the "Trustee"), and as further amended by Amendment
Number 2 dated as of October 6, 1995 among Colonial, as
Seller and Servicer, Advanta National Bank ("ANB" and,
together with Advanta, the "Banks") as seller (in such
capacity, a "Seller" and together with Advanta as Seller,
the Sellers") and the Trustee (as amended from time to
time, the "Amended and Restated Pooling and Servicing
Agreement"), as supplemented by the Series 1995-G
Supplement dated as of December 15,1995 (the "Supplement,"
and together with the Pooling and Servicing Agreement, the
"Agreement"), between the Banks and the Trustee. Advanta,
as Servicer, is required to prepare certain information
each month regarding current distributions to all Series
1995-G Certificateholders. This statement related to the
July 15, 1996 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 Distribution
Date per $1,000 original principal amount of the Class A
Certificates $4.383625
2.The total amount of the distribution on the Distribution
Date per $1,000 original principal amount of the Class
B Certificates $4.500291
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 $0.00
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 $0.00
5.The amount of the distribution set forth in paragraph 1
above in respect of interest per $1,000 original
principal amount of the Class A Certificates $4.383625
6.The amount of the distribution set forth in paragraph 2
above in respect of interest per $1,000 original
principal amount of the Class B Certificates $4.500291
7.The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of Series 1995-G $44,193,378.67
8.The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of Series 1995-G
$38,295,407.00
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 $5,102,325.95
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 $326,161.63
12.The Principal Allocation Percentage(s) during the
prior Monthly Period
6/1/96 - 6/17/96 6.51%
6/18/96 - 6/29/96 5.95%
6/30/96 - 6/30/96 5.84%
13.The Floating Allocation Percentage(s) during the prior
Monthly Period
6/1/96 - 6/17/96 6.51%
6/18/96 - 6/29/96 5.95%
6/30/96 - 6/30/96 5.84%
14.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: .. . . 99,639,382.50
(b) 60 - 89 days:. . . . 49,049,028.41
(c) 90 - 119days:. . . . 32,742,995.27
(d) 120 - 149 days: . . . 25,958,418.37
(e) 150 - 179 days:. . . .19,658,273.44
(f) 180 or more days: . . .5,110,396.88
15.The Class A Investor Default Amount for the prior
Monthly Period is $1,294,090.00
16.The Class B Investor Default Amount for the prior
Monthly Period is $82,797.00
17.The Collateral Default Amount for the prior Monthly
Period $119,000.00
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 $0.00
21.The aggregate amount of Class A Investor Charge
Offs reimbursed on the Distribution Date is $0.00
22.The aggregate amount of Class B Investor
Charge-Offs reimbursed on the Distribution Date is $0.00
23.The aggregate amount of Collateral Charge Offs
reimbursed on the Distribution Date $0.00
24.The amount of the Class A Servicing Fee for the prior
Monthly Period is $360,417.00
25.The amount of the Class B Servicing Fee for the prior
Monthly Period is $22,916.50
26.The amount of Collateral Servicing Fee for the prior
Monthly Period is $33,333.50
27.The amount of Servicer Interchange for the prior
Monthly Period $416,667.00
28.The Class A Pool Factor as of the Record Date for the
Distribution Date is $1.00
29.The Class B Pool Factor as of the Record Date for the
Distribution Date is $1.00
30.The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
31.The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
32.The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
33.The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
34.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
35.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
36.The Available Cash Collateral Amount as of the close
of business on the Distribution Date is $10,000,000.00
37.The Collateral Interest as of the close of business on
the Distribution Date $40,000,000.00
38.The amount on deposit in the Cash Collateral Account
as of the close of business on the Distribution Date is
$10,000,000.00
39.The amount by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period $3.28%
40.The amount of Interchange with respect to the prior
Monthly Period is $520,834.00
41.The Deficit Controlled Amortization Amount (after
giving effect to any activity on the Distribution Date)
$0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By:____________________________
Michael Coco
VICE PRESIDENT
June,1996
FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT
ADVANTANAL BANK USA
__________________________________
ADVANTA CREDIT CARD MASTER TRUST II
SERIES 1996-A
________________________________________
Under the Amended and Restated Pooling and Servicing
Agreement dated as of December 1, 1993, and as amended and
restated on May 23, 1994, and as amended by
Amendment Number 1 dated as of July 1, 1994, by and between
Advanta National Bank USA,a national banking association
organized under the laws of the United States ("Advanta"),
as Seller and Servicer, and Bankers Trust Company, as
Trustee (the "Trustee"), and as further amended by Amendment
Number 2 dated as of October 6, 1995 among Advanta, as
Seller and Servicer, Advanta National Bank ("ANB" and,
together with Advanta, the "Banks) as seller(in such
capacity, a "Seller" and together with Advanta as Seller,
the "Sellers") and the Trustee(as amended from time to time,
the "Amended and Restated Pooling and Servicing Agreement"),
as supplemented by the Series 1996-A Supplement dated as of
January 18, 1996 (the "Supplement," and together with the
Pooling and Servicing Agreement, the "Agreement"),between
the Banks and the Trustee. Advanta, as Servicer is required
to prepare certain information each month regarding current
distributions to all Series 1996-A Certificateholders.
This statement related to the July 15, 1996 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 Distribution
Date per $1,000 original principal amount of the Class
A Certificates .. . . . $ 4.726814
2.The total amount of the distribution on the Distribution
Date per $1,000 original principal amount of the Class
B Certificates.. . . .$ 4.546971
3.The amount of 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
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-2 Certificates . . . . . .
$ 0.000000
5.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
6.The amount of the distribution set forth in paragraph 1
above in respect of interest per $1,000 original
principal amount of the Class A-1 Certificates. . . . . . .
.$ 5.000000
7.The amount of the distribution set forth in paragraph 1
above in respect of interest per $1,000 principal
amount of Class A-2 Certificates . . . . . . . . . . . . . .
. $ 4.453627
8.The amount of the distribution set forth in paragraph 2
above in respect of interest per $1,000 original
principal amount of the Class B Certificates . . . . . . . .
$4.546971
9.The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of Series 1996-A .. $ 44,193,380.00
10.The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of Series 1996-A . . . . . .
. . . . . .$ 38,295,408.00
11.The aggregate amount of Reallocated Principal
Collections with respect to the prior Monthly Period . . . .
. . . . . . . . . . $ 0.00
12.The aggregate amount of Collections of Finance
Charge Receivables processed during the prior
Monthly Period and allocated in respect of the Class A
Certificates . . . . . . $ 5,192,171.04
13.The aggregate amount of Collections of Finance
Charge Receivables processed during the prior
Monthly Period and allocated in respect of the Class B
Certificates . . . . . .$ 308,157.28
14.The Principal Allocation Percentage(s) during the
prior Monthly Period . . . . . . .
6/1/96 - 6/17/96 6.51%
6/18/96 - 6/29/96 5.95%
6/30/96 - 6/30/96 5.84%
15.The Floating Allocation Percentage(s)during the prior
Monthly Period . . . . . . . .
6/1/96 - 6/17/96 6.51%
6/18/96 - 6/29/96 5.95%
6/30/96 - 6/30/96 5.84%
16.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: .. . . 99,639,382.50
(b) 60 - 89 days:. . . . 49,049,028.41
(c) 90 - 119days:. . . . 32,742,995.27
(d) 120 - 149 days: . . . 25,958,418.37
(e) 150 - 179 days: . . . 19,658,273.44
(f) 180 or more days: . . .5,110,396.88
17.The Class A Investor Default Amount for the prior
Monthly Period is . . . . $ 1,316,937.00
18.The Class B Investor Default Amount for the prior
Monthly Period is . . . . $ 78,082.00
19.The Collateral Default Amount for the prior Monthly
Period . . . . $ 100,873.00
20.The aggregate amount of Class A Investor
Charge-Offs for the prior Monthly Period is . $ 0.00
21.The aggregate amount of Class B Investor
Charge-Offs for the prior Monthly Period is ..$ 0.00
22.The aggregate amount of Collateral Charge-Offs for
the prior Monthly Period . . $ 0.00
23.The aggregate amount of Class A Investor
Charge-Offs reimbursed on the Distribution Date is . .$ 0.00
24.The aggregate amount of Class B Investor
Charge-Offs reimbursed on the Distribution Date is . $ 0.00
25.The aggregate amount of Collateral Charge-Offs
reimbursed on the Distribution Date . . $ 0.00
26.The amount of the Class A Servicing Fee for the prior
Monthly Period is . . . . . $ 183,333.33
27.The amount of the Class B Servicing Fee for the prior
Monthly Period is . . . . . $ 10,937.67
28.The amount of Collateral Servicing Fee for the prior
Monthly Period is . . . . . $ 14,062.33
29.The amount of Servicer Interchange for the prior
Monthly Period is . . . . . $ 312,500.00
30.The Class A Pool Factor as of the Record Date for the
Distribution Date is . . . .$ 1.00
31.The Class B Pool Factor as of the Record Date for
the Distribution Date is . . . $ 1.00
32.The Class A Investor Amount after giving effect to any
payments on the Distribution Date is . .$ 440,000,000.00
33.The Class A Invested Amount after giving effect to any
payments on the Distribution Date is. . . $ 440,000,000.00
34.The Class A-1 Invested Amount after giving effect to
any payments on the Distribution Date is . . . . . . . . . .
. .$ 220,000,000.00
35.The Class A-2 Invested Amount after giving effect to
any payments on the Distribution Date is . . . . . . . . . .
. . $ 220,000,000.00
36.The Class B Investor Amount after giving effect to any
payments on the Distribution Date is . . . . . . . . . . . .
. . . . . . . . . $ 26,250,000.00
37.The Class B Invested Amount after giving effect to any
payments on the Distribution Date is . . . . . . . . . . . .
. . $ 26,250,000.00
38.The amount, if any, by which the outstanding principal
balance of the Class Certificates exceeds the Class A
Investor Amount after giving effect to any activity on
39.the Distribution Date is . . .$ 0.00
The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class
B Investor Amount after giving effects to any activity on
40.the Distribution Date is . . . $ 0.00
The Available Cash Collateral Amount as of the close
of business on the Distribution Date is . . $ 10,000,000.00
41.The Collateral Interest as of the close of business on
the Distribution Date is . . . . $ 33,750,000.00
42.The amount of deposit in the Cash Collateral Account
as of the close of business on the Distribution Date is . .
. . . $ 10,000,000.00
43.The amount by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period . . . . . $ 2.90%
44.The amount of Interchange with respect to the prior
Monthly Period is . . . .$ 520,834.00
45.The Deficit Controlled Amortization Amount (after
giving effect to any activity on the Distribution Date) . .
. . . . . . $ 0.00
ADVANTA NATIONAL BANK USA (formerly named Colonial)
as Servicer
By:____________________________
Michael Coco
VICE PRESIDENT
June, 1996
FORM OF MONTHLY CERTIFICATEHOLDER'S STATEMENT
ADVANTA NATIONAL BANK USA
______________________________
ADVANTA CREDIT CARD MASTER TRUST II
Series 1996-B
______________________________
Under the Amended and Restated Pooling and Servicing
Agreement dated as of December 1, 1993, and as amended and
restated on May 23, 1994, and as amended by Amendment Number
1 dated as of July 1, 1994, by and between Advanta National
Bank USA, a national banking association organized under the
laws of the United States ("Advanta"), as Seller and
Servicer, and Bankers Trust Company, as Trustee (the
"Trustee"), and as further amended by Amendment Number 2
dated as of October 6, 1995 among Advanta, as Seller
and Servicer, Advanta National Bank ("ANB" and, together
with Advanta, the "Banks") as seller (in such capacity, a
"Seller" and together with Advanta as Seller, the Sellers")
and the Trustee (as amended from time to time, the "Amended
and Restated Pooling and Servicing Agreement"), as
supplemented by the Series 1996-B Supplement dated as of
March 26, 1996 (the "Supplement," and together with the
Pooling and Servicing Agreement, the "Agreement"), between
the Banks and the Trustee. Advanta, as Servicer, is
required to prepare certain information each month
regarding current distributions to all Series 1996-B
Certificateholders. This statement related to the July 15,
1996 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 Distribution
Date per $1,000 original principal amount of the Class
A Certificates $0.000000
2.The total amount of the distribution on the Distribution
Date per $1,000 original principal amount of the 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 the distribution set forth in paragraph 1
above in respect of interest per $1,000 original
principal amount of the Class A Certificates $0.000000
6.The amount of the distribution set forth in paragraph 2
above in respect of interest per $1,000 original
principal amount of the Class B Certificates $0.000000
7.The aggregate amount of Collections of Receivables
processed for the prior Monthly Period which were
allocated in respect of Series 1995-G $66,303,448.27
8.The aggregate amount of Collections of Principal
Receivables processed during the prior Monthly
Period and allocated in respect of Series 1996-B
$57,437,065.00
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 $7,666,854.71
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 $488,606.63
12.The Principal Allocation Percentage(s) during the
prior Monthly Period
6/1/96 - 6/17/96 9.76%
6/18/96 - 6/29/96 8.93%
6/30/96 - 6/30/96 8.93%
0.00
13.The Floating Allocation Percentage(s) during the prior
Monthly Period
6/1/96 - 6/17/96 9.76%
6/18/96 - 6/29/96 8.93%
6/30/96 - 6/30/96 8.93%
0.00
14.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
days99,639,382.50
(b) 60 - 89 days. . . 49,049,028.41
(c) 90 - 119days. . . 32,742,995.27
(d) 120 - 149 days. . .25,958,418.37
(e) 150 - 179 days. . .19,658,273.44
(f) 180 or more days. . 5,110,396.88
15.The Class A Investor Default Amount for the prior
Monthly Period is. . $1,939,943.00
16.The Class B Investor Default Amount for the prior
Monthly Period is. . $123,719.00
17.The Collateral Default Amount for the prior Monthly
Period. . $179,914.00
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. . $0.00
21.The aggregate amount of Class A Investor Charge
Offs reimbursed on the Distribution Date is. . $0.00
22.The aggregate amount of Class B Investor
Charge-Offs reimbursed on the Distribution Date is. . $0.00
23.The aggregate amount of Collateral Charge Offs
reimbursed on the Distribution Date. . $0.00
24.The amount of the Class A Servicing Fee for the prior
Monthly Period is. . $270,312.67
25.The amount of the Class B Servicing Fee for the prior
Monthly Period is. . $17,187.33
26.The amount of Collateral Servicing Fee for the prior
Monthly Period is. . $25,000.00
27.The amount of Servicer Interchange for the prior
Monthly Period. . $468,750.00
28.The Class A Pool Factor as of the Record Date for the
Distribution Date is. . $1.00
29.The Class B Pool Factor as of the Record Date for the
Distribution Date is. . $1.00
30.The Class A Investor Amount after giving effect to any
payments on the Distribution Date is. . $648,750,000.00
31.The Class A Invested Amount after giving effect to any
payments on the Distribution Date is. . $648,750,000.00
32.The Class B Investor Amount after giving effect to any
payments on the Distribution Date is. . $41,250,000.00
33.The Class B Invested Amount after giving effect to any
payments on the Distribution Date is. . $41,250,000.00
34.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
35.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
36.The Available Cash Collateral Amount as of the close
of business on the Distribution Date is. . $15,000,000.00
37.The Collateral Interest as of the close of business on
the Distribution Date. . $60,000,000.00
38.The amount on deposit in the Cash Collateral Account
as of the close of business on the Distribution Date is. . .
. $15,000,000.00
39. The amount on deposit in the Principle Funding Account
as of the close business on the Distribution Date is. .$0.00
40.The amount on deposit in the Interest Funding Account
as of close of business on the Distribution Date is. .
$3,140,546.00
41.The amount on deposit in the Reserve Account as of
the close of business on the Distribution Date is. . $0.00
42.The amount by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period. . 3.62%
43.The Net Portfolio Yield for the prior Monthly Period is.
. 10.60%
44.The Base Rate for the Prior Monthly Period is. . 6.98%
45.The amount of Interchange with respect to the prior
Monthly Period is. . $781,250.00
46.The Deficit Controlled Amortization Amount (after
giving effect to any activity on the Distribution Date). .
$0.00
ADVANTA NATIONAL BANK USA,
as Servicer
By:____________________________
Michael Coco
VICE PRESIDENT
