SECURITIES AND EXCHANGE COMMISSION

Washington, D. C. 20549

FORM 10-K

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF

THE SECURITIES EXCHANGE ACT OF 1934

[X] Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2001 or [ ] Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 for the transition period from ________ to _________ Commission File No. 33-05433

Fleet Bank (RI), National Association

(with respect to Fleet Credit Card Master Trust II)

(formerly ADVANTA Master Credit Card Trust II)

(Exact name of Registrant as specified in its Charter)

United States of America

(State or other Jurisdiction of incorporation)

05-0495490

(I.R.S. Identification No.)

111 Westminster Street, Providence, Rhode Island 02903

(Address of Principal Executive Offices) (Zip Code)

Registrant's telephone number, including area code (401) 278-6000.

Securities registered pursuant to Section 12(b) of the Act:

Title of each class which registered:	None
Name of each exchange on:	N/A

Securities registered pursuant to Section 12(g) of the Act: None

Title of class

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes [X] No _______

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K [ ].

State the aggregate market value of the voting stock held by non-affiliates of the Registrant. The aggregate market value shall be computed by reference to the price at which the stock was sold, or the average bid and asked prices of such stock, as of a specified date within 60 days prior to the date of filing (See definition of affiliate in Rule 405): None

Indicate the number of shares outstanding of the registrant's classes of common stock, as of the latest practicable date: None.

 Documents Incorporated By Reference:

List hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document is incorporated: (1) Any annual report to security holders; (2) Any proxy or information statement; and (3) Any prospectus filed pursuant to Rule 425(b) or (e) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes (e.g. annual report to security holders for fiscal year ended December 24, 1980).

Document	Form 10-K Reference
Current Reports on Form 8-K filed between February 15, 2001 and January 15, 2002	Part I, Item 2

TABLE OF CONTENTS

PART I	Page
Item 1. Business	4
Item 2. Properties	4
Item 3. Legal Proceedings	9
Item 4. Submission of Matters to a Vote of Security Holders	9
PART II
Item 5. Market for the Registrant's Common Equity and Related Stockholder Matters	9
Item 6. Selected Financial Data	10
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations	10
Item 8. Financial Statements and Supplementary Data	10
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	10
PART III
Item 10. Directors and Executive Officers of the Registrant	11
Item 11. Executive Compensation	11
Item 12. Security Ownership of Certain Beneficial Owners and Management	11
Item 13. Certain Relationships and Related Transactions	31
PART IV
Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K	31
SIGNATURES	32
EXHIBITS	34

PART I

Item 1. Business

On March 31, 2001, the Financial Accounting Standards Board's Statement of Financial Accounting Standard 140 ("SFAS 140") became effective. SFAS 140 requires that, to achieve sale treatment, financial assets transferred in a securitization be sufficiently isolated from the seller so that neither the seller nor its creditors can reclaim them. To comply with SFAS 140, Fleet Bank (RI), as seller of the assets to the Fleet Credit Card Master Trust II (the "Trust") implemented a two-step structure for the transfer of receivables to the Trust as of January 1, 2002.

To implement the two-step transfer, Fleet Bank (RI) created Fleet Credit Card Funding, LLC ("FCCF"), a bankruptcy-remote special purpose entity and entered into a Receivables Purchase Agreement dated as of January 1, 2002 with FCCF. Under the Receivables Purchase Agreement, Fleet (RI) sells credit card receivables to FCCF. Pursuant to the Pooling and Servicing Agreement dated as of December 1, 1993 as amended and restated as of January 1, 2002 (the "Pooling and Servicing Agreement"), FCCF became the transferor to the Trust and transfers receivables purchased from Fleet Bank (RI) to the Trust. Fleet Bank (RI) continues as owner of the credit card accounts and as the servicer.

Item 2. Properties

The information set forth in the Current Reports on Form 8-K dated February 15, 2001 through January 15, 2002, as filed by the Registrant, is incorporated herein by reference. For the monthly period ending December 31, 2001, approximately 1.31% of the accounts and 4.32% of the receivables were 30 days or more delinquent. The aggregate outstanding balance of such delinquent accounts was $491,520,927.55. Set forth below is certain information with respect to the Class B Floating Rate Asset Backed Certificates, the Class A Floating Rate Asset Backed Certificates, Series 95-C ("Series 95-C Class A"), the Class B Floating Rate Asset Backed Certificates, Series 95-C ("Series 95-C Class B"), the Class A Floating Rate Asset Backed Certificates, Series 95-D ("Series 95-D Class A"), the Class B Floating Rate Asset Backed Certificates, Series 95-D ("Series 95-D Class B"), the Class A1 Fixed Rate Asset Backed Certificates, Series 95-F ("Series 95-F Class A1"), the Class A2 Floating Rate Asset Backed Certifica tes, Series 95-F ("Series 95-F Class A2"), the Class B Floating Rate Asset Back Certificates, Series 95-F ("Series 95-F Class B"), the Class A1 Fixed Rate Asset Backed Certificates, Series 96-A ("Series 96-A Class A1"), the Class A2 Floating Rate Asset Backed Certificates, Series 96-A ("Series 96-A Class A2"), the Class B Floating Rate Asset Backed Certificates, Series 96-A ("Series 96-A Class B"), the Class A Floating Rate Asset Backed Certificates, Series 96-B ("Series 96-B Class A"), the Class B Floating Rate Asset Backed Certificates, Series 96-B ("Series 96-B Class B"), the Class A Floating Rate Asset Backed Certificates, Series 96-C ("Series 96-C Class A"), the Class B Floating Rate Asset Backed Certificates, Series 96-C ("Series 96-C Class B"), the Class A Floating Rate Asset Backed Certificates, Series 96-D ("Series 96-D Class A"), the Class B Floating Rate Asset Backed Certificates, Series 96-D ("Series 96-D Class B"), the Class A Floating Rate Asset Backed Certificates, Series 96-E ("Series 96-E Cl ass A"), the Class B Floating Rate Asset Backed Certificates, Series 96-E ("Series 96-E Class B") the Class A Floating Rate Asset Backed Certificates, Series 98-A ("Series 98-A Class A"), the Class B Floating Rate Asset Backed Certificates, Series 98-A ("Series 98-A Class B"), the Class A Floating Rate Asset Backed Certificates, Series 99-A ("Series 99-A Class A"), the Class B Floating Rate Asset Backed Certificates, Series 99-A ("Series 99-A Class B"), the Class A Floating Rate Asset Backed Certificates, Series 99-B ("Series 99-B Class A"), the Class B Floating Rate Asset Backed Certificates, Series 99-B ("Series 99-B Class B") the Class A Fixed Rate Asset Backed Certificates, Series 99-C ("Series 99-C Class A"), the Class B Fixed Rate Asset Backed Certificates, Series 99-C ("Series 99-C Class B"), the Class A Floating Rate Asset Backed Certificates, Series 99-D ("Series 99-D Class A"), the Class B Floating Rate Asset Backed Certificates, Series 99-D ("Series 99-D Class B"), the Class A Floating Rate Asset Backed Certificates,Series 00-A ("Series 00-A Class A"), the Class B Floating Rate Asset Backed Certificates, Series 00-A ("Series 00-A Class B"), the Class A Floating Rate Asset Backed Certificates, Series 00-B ("Series 00-B Class A"), the Class B Floating Rate Asset Backed Certificates, Series 00-B ("Series 00-B Class B"), the Class A Fixed Rate Asset Backed Certificates, Series 00-C ("Series 00-C Class A"), the Class B Floating Rate Asset Backed Certificates, Series 00-C ("Series 00-C Class B"), the Class A Floating Rate Asset Backed Certificates, Series 00-D ("Series 00-D Class A"), the Class B Floating Rate Asset Backed Certificates, Series 00-D ("Series 00-D Class B"), the Class A Floating Rate Asset Backed Certificates, Series 01-A ("Series 01-A Class A"), the Class A Fixed Rate Asset Backed Certificates, Series 01-B ("Series 01-B Class A"), the Class B Fixed Rate Asset Backed Certificates, Series 01-B ("Series 01-B Class B"), the Class A Fixed Rate Asset Backed Certificates, Series 01-C ("Series 01-C Class A") and the Class B Fixed Rate Asset Backed Certificates, Series 01-C ("Series 01-C Class B").

Series/Class	Monthly Period Ended	Receivables Written Off as Uncollectible with Respect to the Participation Interests of Certificateholders	% of Receivables Outstanding on an Annualized Basis
Series 1995-C Class A	December 31, 2001	2,546,818.46	6.25%
	November 30, 2001	2,253,401.25	5.53%
	October 31, 2001	2,568,082.78	6.31%
Series 1995-C Class B	December 31, 2001	179,434.94	6.24%
	November 30, 2001	155,406.98	5.41%
	October 31, 2001	181,703.97	6.32%
Series 1996-A Class A1	December 31, 2001	1,146,068.31	6.25%
	November 30, 2001	1,015,325.62	5.54%
	October 31, 2001	1,156,848.61	6.31%
Series 1996-A Class A2	December 31, 2001	1,146,068.31	6.25%
	November 30, 2001	1,015,325.62	5.54%
	October 31, 2001	1,156,848.61	6.31%
Series 1996-A Class B	December 31, 2001	138,917.37	6.35%
	November 30, 2001	119,145.35	5.45%
	October 31, 2001	139,306.38	6.37%
Series 1996-B Class A	December 31, 2001	3,380,322.68	6.25%
	November 30, 2001	2,988,994.31	5.53%
	October 31, 2001	3,403,921.04	6.30%
Series 1996-B Class B	December 31, 2001	214,164.28	6.23%
	November 30, 2001	191,668.61	5.58%
	October 31, 2001	218,044.76	6.34%
Series 1996-D Class A	December 31, 2001	3,154,581.95	6.25%
	November 30, 2001	2,792,145.46	5.53%
	October 31, 2001	3,179,819.48	6.30%
Series 1996-D Class B	December 31, 2001	202,587.83	6.31%
	November 30, 2001	176,127.91	5.49%
	October 31, 2001	199,874.37	6.23%
Series 1996-E Class A	December 31, 2001	0.00	0.00%
	November 30, 2001	0.00	0.00%
	October 31, 2001	2,271,299.63	6.30%
Series 1996-E Class B	December 31, 2001	0.00	0.00%
	November 30, 2001	124,325.59	5.43%
	October 31, 2001	145,363.18	6.34%
Series 1999-A Class A	December 31, 2001	2,593,124.25	6.25%
	November 30, 2001	2,294,843.12	5.53%
	October 31, 2001	2,616,537.17	6.30%
Series 1999-A Class B	December 31, 2001	237,317.17	6.33%
	November 30, 2001	207,209.31	5.53%
	October 31, 2001	236,215.16	6.30%
Series 1999-B Class A	December 31, 2001	2,159,007.46	6.24%
	November 30, 2001	1,911,505.89	5.53%
	October 31, 2001	2,180,447.64	6.30%
Series 1999-B Class B	December 31, 2001	196,799.61	6.30%
	November 30, 2001	176,127.91	5.64%
	October 31, 2001	199,874.37	6.40%
Series 1999-C Class A	December 31, 2001	1,319,715.02	6.27%
	November 30, 2001	1,165,552.37	5.53%
	October 31, 2001	1,326,438.98	6.30%
Series 1999-C Class B	December 31, 2001	104,188.03	6.17%
	November 30, 2001	93,244.19	5.53%
	October 31, 2001	109,022.38	6.46%
Series 1999-D Class A	December 31, 2001	2,546,818.46	6.25%
	November 30, 2001	2,253,401.25	5.53%
	October 31, 2001	2,568,082.78	6.30%
Series 1999-D Class B	December 31, 2001	237,317.17	6.33%
	November 30, 2001	207,209.31	5.53%
	October 31, 2001	236,215.16	6.30%
Series 2000-A Class A	December 31, 2001	3,183,523.07	6.25%
	November 30, 2001	2,818,046.63	5.53%
	October 31, 2001	3,210,103.47	6.30%
Series 2000-A Class B	December 31, 2001	295,199.41	6.30%
	November 30, 2001	259,011.64	5.53%
	October 31, 2001	296,783.15	6.33%
Series 2000-B Class A	December 31, 2001	2,755.194.51	6.24%
	November 30, 2001	2,439.889.63	5.53%
	October 31, 2001	2,786.127.54	6.31%
Series 2000-B Class B	December 31, 2001	254,681.85	6.27%
	November 30, 2001	222,750.01	5.48%
	October 31, 2001	254,385.56	6.26%
Series 2000-C Class A	December 31, 2001	2,755,194.51	6.24%
	November 30, 2001	2,439,889.63	5.53%
	October 31, 2001	2,786,127.54	6.31%
Series 2000-C Class B	December 31, 2001	254,681.85	6.27%
	November 30, 2001	222,750.01	5.48%
	October 31, 2001	254,385.56	6.26%
Series 2000-D Class A	December 31, 2001	3,820,227.68	6.25%
	November 30, 2001	3,382,692.00	5.53%
	October 31, 2001	3,852,124.17	6.30%
Series 2000-D Class B	December 31, 2001	353,081.65	6.28%
	November 30, 2001	310,813.97	5.53%
	October 31, 2001	357,351.14	6.35%
Series 2001-A Class A	December 31, 2001	4,080,697.75	6.25%
	November 30, 2001	3,610,622.24	5.53%
	October 31, 2001	4,118,623.32	6.31%
Series 2001-B Class A	December 31, 2001	3,559,757.62	6.25%
	November 30, 2001	3,149,581.52	5.53%
	October 31, 2001	3,591,681.81	6.30%
Series 2001-B Class B	December 31, 2001	248,893.62	6.22%
	November 30, 2001	222,750.01	5.57%
	October 31, 2001	254,385.56	6.36%
Series 2001-C Class A	December 31, 2001	3,559,757.62	6.25%
	November 30, 2001	5,047,200.82	8.85%
	October 31, 2001	0.00	0.00%
Series 2001-C Class B	December 31, 2001	248,893.62	6.22%
	November 30, 2001	354,268.18	8.86%
	October 31, 2001	0.00	0.00%

(Certain terms used but not defined in this Form 10-K Annual Report have the meanings defined in the Amended and Restated Pooling and Servicing Agreement dated as of December 1, 1993 as amended and restated on May 23, 1994 as Exhibit 4.1, to the Registrant's Registration Statement on Form S-3(No.33-05433), as amended by Amendment Number 1 to the Amended and Restated Pooling and Servicing Agreement, dated July 1, 1994, and as further amended by Amendment Number 2 to the Amended and Restated Pooling and Servicing Agreement, dated as of October 6, 1995. Amendment Number 3 to the Amended and Restated Pooling and Servicing Agreement dated February 20,1998, was filed with the Securities and Exchange Commission as Exhibit 4.1 of the Form 8-K dated March 10, 1998), as further amended by Amendment Number 4 to the Amended and Restated Pooling and Servicing Agreement, dated as of May 14, 1999, as further amended by Amendment Number 5 to the Amended and Restated Pooling and Servicing Agreement, dated as of December 2 9, 2000 and as further amended by Amendment Number 6 to the Amended and Restated Pooling and Servicing Agreement, dated as of March 30, 2001.

 Item 3. Legal Proceedings

There are no material pending legal proceedings with respect to the Trust, involving either the Trust, the Trustee or the Registrant, other than ordinary or routine litigation incidental to the Trustee's or the Registrant's duties under the Pooling and Servicing Agreement.

Item 4. Submission of Matters to a Vote of Security Holders

Not applicable.

PART II

Item 5. Market for the Registrant's Common Equity and Related Stockholder Matters

(a) There is no established public trading market for the Certificates.

(b) At February 28, 2002 there were fourteen (14) holders of record of the Series 95-C Class A Certificates, one (1) holder of record of the Series 95-C Class B Certificates, twenty-seven (27) holders of record of the Series 96-A Class A1 Certificates, nine (9) holders of record of the Series 96-A Class A2 Certificates, one (1) holder of record of the Series 96-A Class B Certificates, eighteen (18) holders of record of the Series 96-B Class A Certificates, two (2) holders of record of the Series 96-B Class B Certificates, fifteen (15) holders of record of the Series 96-D Class A Certificates, two (2) holders of record of the Series 96-D Class B Certificates, fourteen (14) holders of record of the Series 99-A Class A Certificates, three (3) holders of record of the Series 99-A Class B Certificates, four (4) holders of record of the Series 99-B Class A Certificates, three (3) holders of record of the Series 99-B Class B Certificates, twelve (12) holders of record of the Series 99-C Class A Certificates, fou r (4) holders of record of the Series 99-C Class B Certificates, seven (7) holders of record of the Series 99-D Class A Certificates, three (3) holders of record of the Series 99-D Class B Certificates, nineteen (19) holders of record of the Series 00-A Class A Certificates, four (4) holders of record of the Series 00-A Class B Certificates, seventeen (17) holders of record of the Series 00-B Class A Certificates, three (3) holders of record of the Series 00-B Class B Certificates, twenty-one (21) holders of record of the Series 00-C Class A Certificates, three (3) holders of record of the Series 00-C Class B Certificates, nine (9) holders of record of the Series 00-D Class A Certificates, six (6) holders of record of the Series 00-D Class B Certificates, ten (10) holders of record of the Series 01-A Class A Certificates, forty-one (41) holders of record of the Series 01-B Class A Certificates, three (3) holders of record of the Series 01-B Class B Certificates, forty-three (43) holders of record of the Seri es 01-C Class A Certificates and five (5) holders of record of the Series 01-C Class B Certificates.

(c) Not applicable.

 Item 6. Selected Financial Data

Not applicable.

Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations

Not applicable.

Item 8. Financial Statements and Supplementary Data

See the Supplementary Trust Data relating to the performance of the

Trust filed as Exhibit 99 under Item 14(a) hereof.

Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

Not applicable.

PART III

Item 10. Directors and Executive Officers of the Registrant

Not applicable.

Item 11. Executive Compensation

Not applicable.

Item 12. Security Ownership of Certain Beneficial Owners and Management

(a)(i) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 95-C Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Brown Brothers Harriman & Co. 63 Wall Street, 8th Floor New York, NY 10005	8.59%	$42,000
JPMorgan Chase Bank/ Correspondence Clearing Services 2 One Chase Manhattan Plaza 4-b New York, NY 10081	12.80%	$62,560
Prudential Securities Custody 51 Mercedes Way Edgewood, NY 11717	10.97%	$53,637
State Street Bank and Trust Co. 1776 Heritage Dr. No. Quincy, MA 02171	39.70%	$194,055

 (a)(ii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 95-C Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank One Trust Co., N.A. 340 South Cleveland Ave Columbus, OH 43240	100.00%	$34,500

(a)(iii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-A Class A1 Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	7.59%	$16,700
Boston Safe Deposit and Trust Co. 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	18.03%	$39,660
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	5.78%	$12,725
FUNB - Phila. Main 123 South Broad Street, DA4901 Philadelphia, PA 19109	5.99%	$13,180
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code 121 Dallas, TX 75254	13.22%	$29,075
Northern Trust Company (THE) 801 S. Canal C-IN Chicago, IL 60607	7.72%	$16,975
State Street Bank and Trust Co. 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW N. Quincy, MA 02171	7.27%	$16,000
Fifth Third Bank (The) 38 Fountain Square Plaza Mail Drop 1090F1 Cincinnati, OH 45263	11.98%	$26,350

(a)(iv) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-A Class A2 Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Road Secaucus, NJ 07094	7.82%	$17,200
The Bank of New York/Credit Agricole One Wall Street New York, NY 10286	9.09%	$20,000
Boston Safe Deposit & Trust Co. 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	18.18%	$40,000
JP Morgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code 121 Dallas, TX 75254	33.64%	$74,000
State Street Bank and Trust Co. 1776 Heritage Dr. No. Quincy, MA 02171	16.52%	$36,350
Wells Fargo Bank Minnesota, NA 733 Marquette Avenue Minneapolis, MN 55479	12.50%	$27,500

(a)(v) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-A Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Swiss American Securities, Inc. 12 East 49th Street New York, NY 10017	100.00%	$26,250

(a)(vi) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-B Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd. Secaucus, NJ 07094	5.86%	$38,000
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	10.31%	$66,915
Barclays Global Investors N.A./ Investors Bank & Trust 980 9th St., 6th Fl Sacramento, CA 95814	17.52%	$113,635
Boston Safe Deposit and Trust Co. 525 William Penn Place, Suite 3631 Pittsburgh, Pa 15259	6.82%	$44,242
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	19.87%	$128,919
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	10.02%	$65,000
State Street Bank and Trust Co. 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171	10.95%	$71,022
Wells Fargo Bank Minnesota, N.A. 733 Marquette Ave. Minneapolis, MN 55479	6.78%	$44,000

(a)(vii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-B Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Boston Safe Deposit & Trust Co. 525 William Penn Place Pittsburgh, PA 15259	39.39%	$16,250
Mizuho Trust and Banking Co. (USA) 666 Fifth Avenue, Suite 802 New York, NY 10103	60.61%	$25,000

(a)(viii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-D Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Road Secaucus, NJ 07094	7.89%	$47,750
Boston Safe Deposit and Trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	9.68%	$58,585
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	8.98%	$54,400
Harris Trust & Savings Bank 111 West Monroe Street Chicago, IL 60603	8.31%	$50,290
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	34.93%	$211,510
State Street Bank and Trust Co. 1776 Heritage Dr. No. Quincy, MA 02171	19.32%	$116,960

(a)(ix) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 96-D Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank One Trust Company, N.A. 340 South Cleveland Ave Columbus, OH 43240	25.97%	$10,000
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	74.03%	$28,500

(a)(x) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-A Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Road Secaucus, NJ 07094	7.19%	$35,825
Brown Brothers Harriman & Co. 63 Wall Street 8th Floor New York, NY 10005	8.02%	$39,950
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	6.02%	$30,000
Investors Bank & Trust Company 200 Clarendon Street Boston, MA 02116	5.02%	$25,000
Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607	20.08%	$100,000
Prudential Securities Custody c/o ADP Proxy Services 51 Mercedes Way Edgewood, NY 11717	19.98%	$99,500
State Street Bank and Trust Co. 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171	27.17%	$135,295

(a)(xi) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-A Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd Secaucus, NJ 07094	22.22%	$10,000
Bank One Trust Company, N.A. 340 South Cleveland Ave Building 350 Columbus, OH 43240	22.22%	$10,000
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	55.56%	$25,000

(a)(xii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-B Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	45.22%	$187,650
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	7.23%	$30,000
State Street Bank and Trust Co. 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171	43.94%	$182,350

(a)(xiii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-B Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank One Trust Company, N.A. 340 South Cleveland Ave Building 350 Columbus, OH 43240	26.67%	$10,000
Boston Safe Deposit & Trust Co. 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	26.67%	$10,000
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	46.66%	$17,500

(a)(xiv) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-C Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	11.87%	$30,000
BT / Suntrust Portfolio 14 Wall Street, 5th Floor New York, NY 10005	13.85%	$35,000
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	14.85%	$37,521
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	11.67%	$29,500
PNC Bank, National Association 1600 Market Street, 29th Floor Philadelphia, PA 19103	19.78%	$50,000
Fifth Third Bank (The) 38 Fountain Square Plaza Cincinnati, OH 45263	17.57%	$44,398

(a)(xv) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-C Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd. Secaucus, NJ 07094	49.38%	$10,000
FUNB - Phila. Main 123 South Broad Street DA4901 Philadelphia, PA 19109	14.81%	$3,000
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	14.81%	$3,000
SSB - Trust Custody 225 Franklin Street, M4 Boston, MA 02110	20.99%	$4,250

(a)(xvi) Each holder of record at February 28, 2001 of more than five percent (5%) of the Series 99-D Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd. Secaucus, NJ 07094	7.91%	$38,700
Boston Safe Deposit & Trust Co. 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	21.47%	$105,000
Merrill Lynch, Pierce, Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	7.16%	$35,000
State Street Bank and Trust Co. 1776 Heritage Dr. No. Quincy, MA 02171	60.94%	$298,015

(a)(xvii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 99-D Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	22.22%	$10,000
Bank One Trust Company, N.A. 340 South Cleveland Ave Building 350 Columbus, OH 43240	22.22%	$10,000
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	55.56%	$25,000

(a)(xviii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-A Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
HSBC Bank USA/ Treasury Investment 140 Broadway - Level A New York, NY 10015	9.65%	$59,000
Investors Bank & Trust Company 200 Clarendon Street 9th Floor Boston, MA 02116	5.71%	$34,930
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	9.95%	$60,800
Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607	38.47%	$235,125
United States Trust Co. of New York Proxy Department 499 Washington Blvd, 7th Fl Jersey City, NJ 07310	21.27%	$130,000

(a)(xix) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-A Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	12.44%	$7,000
Boston Safe and Deposit & trust Co. 525 Willian Penn Place, Suite 3631 Pittsburgh, PA 15259	37.78%	$21,250
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	26.67%	$15,000
JPMorgan Chase Bank 14201 Dallas Pky, 12th Fl Mail Code 121 Dallas, TX 75254	23.11%	$13,000

(a)(xx) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-B Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd Secaucus, NJ 07094	18.83%	$99,750
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	11.33%	$60,000
Deutsche Bank A.G. New York Branch 34 Exchange Pl. Jersey City, NJ 07311	6.98%	$37,000
Merrill Lynch, Pierce, Fenner & Smith Inc. 101 Hudson St, 9th Fl Jersery City, NJ 07302	18.88%	$100,000
Merrill Lynch, Pierce, Fenner & Smith Inc. - Debt Sec 101 Hudson St, 9th Fl Jersery City, NJ 07302	5.81%	$30,785
Prudential Securities Custody C/O ADP Proxy Services 51 Mercedes Way Edgewood, NY 11717	18.33%	$97,077
State Street Bank and Trust Company 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	9.36%	$49,600

(a)(xxi) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-B Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	53.85%	$26,250
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	41.03%	$20,000
Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607	5.12%	$2,500

(a)(xxii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-C Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd Secaucus, NJ 07094	6.79%	$35,967
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	12.42%	$65,805
Boston Safe Deposit and Trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	34.97%	$185,245
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	16.92%	$89,641
SSB-Trust Custody 225 Franklin Street, M4 Boston, MA 02110	6.81%	$36,100

(a)(xxiii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-C Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	22.05%	$10,750
Bank One Trust Company, N.A. 340 South Cleveland Ave Building 350 Columbus, OH 43240	20.51%	$10,000
JPMorgan Chase Bank / CCSG P.O Box 2558 Houston, TX 77252	57.44%	$28,000

(a)(xxiv) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-D Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Boston Safe Deposit and Trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	13.63%	$100,000
Brown Brothers Harriman & Co. 63 Wall Street 8th Fl New York, NY 10005	6.82%	$50,000
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	11.79%	$86,500
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	24.61%	$180,500
State Street Bank and Trust Company 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	32.31%	$237,000

(a)(xxv) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 00-D Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	14.81%	$10,000
Bank One Trust Company, N.A. 340 South Cleveland Ave Building 350 Columbus, OH 43240	21.48%	$14,500
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	23.70%	$16,000
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	36.18%	$24,420

 (a)(xxvi) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 01-A Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Boston Safe Deposit and Trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	19.78%	$155,000
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	24.56%	$192,500
Merrill Lynch, Pierce Fenner & Smith Safekeeping 4 Corporate Place Piscataway, NJ 08854	9.57%	$75,000
State Street Bank and Trust Company 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	32.79%	$257,000

(a)(xxvii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 01-B Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd Secaucus, NJ 07094	5.95%	$40,715
Boston Safe Deposit and Trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	37.60%	$257,195
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	15.73%	$107,625
Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607	10.93%	$74,770
SSB - Trust Custody 225 Franklin Street, M4 Boston, MA 02110	6.58%	$45,030
State Street Bank and Trust Company 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	6.30%	$43,080

(a)(xxviii) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 01-B Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	10.42%	$5,000
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	68.75%	$33,000
SSB Bank Portfolio 1776 Heritage Dr. No. Quincy, MA 02171	20.83%	$10,000

(a)(xxix) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 01-C Class A Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bank of New York (The) 925 Patterson Plank Rd Secaucus, NJ 07094	5.98%	$40,930
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	5.41%	$37,015
Boston Safe Deposit and trust Company 525 William Penn Place, Suite 3631 Pittsburgh, PA 15259	20.25%	$138,522
Investors Bank & trust Co. 200 Clarendon Street, 9th Fl Corporate Actions Unit / Top57 Boston, MA 02116	8.26%	$56,500
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	17.79%	$121,673
Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607	7.46%	$51,030
State Street Bank and Trust Company 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	18.48%	$126,370

(a)(xxx) Each holder of record at February 28, 2002 of more than five percent (5%) of the Series 01-C Class B Certificates is indicated below:

Name and Address of Holder	Percent of Certificates Held	Dollar Amount of Certificates Held (in $1,000's)
Bankers Trust Company 648 Grassmere Park Road Nashville, TN 37211	20.83%	$10,000
Citibank, N.A. 3800 Citibank Center B3-15 Tampa, FL 33610	10.42%	$5,000
JPMorgan Chase Bank 14201 Dallas Pkwy, 12th Fl Mail Code121 Dallas, TX 75254	6.25%	$3,000
State Street Bank and Trust Company 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171	10.42%	$5,000
SSB Bank Portfolio 1776 Heritage Dr. No. Quincy, MA 02171	52.08%	$25,000

(b) Not applicable.

(c) Not applicable.

Item 13. Certain Relationships and Related Transactions

Not applicable.

PART IV

Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K

(a) Supplementary Trust Data relating to performance of the Trust is being filed herewith as Exhibit 99.

(b) See Item 2.

(c) Exhibits

Exhibit No.	Description of Exhibit
24	Powers of Attorney (included on signature page)
99	Supplementary Trust Data

 (d) Not applicable. No annual report or proxy material has been sent to security holders.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) 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.

Fleet Credit Card Master Trust II

BY: Fleet Bank (RI) National Association, as Servicer

 Dated: March 26, 2002

By: /s/ PAUL V. STAHLIN

Paul V. Stahlin

Executive Vice President and Chief Financial Officer 

 KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned does hereby constitute and appoint Patrick J. Coll, Paul V. Stahlin, or either of them (with full power to each of them to act alone), his or her true and lawful attorney-in-fact and agent, with full power of substitution, for him or her and on his or her behalf to sign, execute and file an Annual Report on Form 10-K under the Securities Exchange Act of 1934, as amended, for the fiscal year ended December 31, 2001 relating to Fleet Credit Card Master Trust II (formerly ADVANTA Master Credit Card Trust II) and any or all amendments thereto, with all exhibits and any and all documents required to be filed with respect thereto, with the Securities and Exchange Commission or any regulatory authority, granting unto such attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and thing requisite and necessary to be done in and about the premises in order to effectuate the s ame as fully to all intents and purposes as he or she might or could do if personally present, hereby ratifying and confirming all that such attorneys-in-fact and agents, or any of them, or their substitute or substitutes, may lawfully do or cause to be done.

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons on behalf of Fleet Bank (RI), National Association, as Servicer for the Fleet Credit Card Master Trust II and in the capacities indicated on the 26th day of March, 2002. 

Signature	Title
/s/ PATRICK J.COLL	Chairman, President, Chief Executive Officer and Director
Patrick J. Coll
/s/ PAUL V.STAHLIN	Executive Vice President and Chief Financial Officer
Paul V. Stahlin
/s/JOHN KIRBY BRAY	Director
John Kirby Bray
/s/ANNE M.FINUCANE	Director
Anne M. Finucane
/s/ROBERT B.HEDGES JR.	Director
Robert B. Hedges, Jr.
/s/EUGENE M.MCQUADE	Director
Eugene M. McQuade
/s/BRADFORD H.WARNER	Director
Bradford H. Warner

INDEX TO EXHIBITS

Exhibit Number	Description of Exhibit	Sequential Page Number
24	Powers of Attorney (included on signature page)	32
99	Supplementary Trust Data	34

EX-99

EXHIBIT 99

 Supplementary Trust Data

1. The total amount of cash distributed to Certificateholders in 2001 per $1,000 of Certificates	$319.76
2. The total amount of the distribution set forth in paragraph l which represents principal payments on the Certificates	$267.13
3. The amount of outstanding balances in the Accounts which were 30 or more days delinquent as of the end of the December 2001 Monthly Period	$491,520,927.55
4. The total amount of the Monthly Servicing Fee paid to the Servicer by the Trust in 2001	$176,390,161.29