UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K

(Mark One)


þ		Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the fiscal year ended December 31, 2008


o		Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the transition period from to


Commission File Number of issuing entity:		Commission File Number of issuing entity:
333-126628		333-126628-01

NATIONAL CITY CREDIT CARD		NATIONAL CITY CREDIT CARD
MASTER NOTE TRUST		MASTER TRUST
(Exact name of issuing entity as specified in its charter)		(Exact name of issuing entity as specified in its charter)
(Issuer of the Notes)		(Issuer of the Collateral Certificate)

Commission File Number of depositor: 333-126628-02

NATIONAL CITY BANK

(Exact name of depositor and sponsor as specified in it charter)


Delaware		New York
(State or other jurisdiction of incorporation or		(State or other jurisdiction of incorporation or
organization of the issuing entity)		organization of the issuing entity)

c/o National City Bank		c/o National City Bank
1900 East Ninth Street		1900 East Ninth Street
Cleveland, Ohio 44114-3484		Cleveland, Ohio 44114-3484
(Address of principal executive offices of issuing entity)		(Address of principal executive offices of issuing entity)

(216) 222-2000		(216) 222-2000
(Telephone number, including area code)		(Telephone number, including area code)

Not Applicable		Not Applicable
(I.R.S. Employer Identification No.)		(I.R.S. Employer Identification No.)

Securities registered pursuant to Section 12(b) of the Act: none

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

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o No þ

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes o No þ

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 þ No o

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. þ [Item 405 of Regulation S-K is not applicable]

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one):


Large accelerated filer o	Accelerated filer o	Non-accelerated filer þ	Smaller reporting company o
		(Do not check if a smaller reporting company)

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes o No þ

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter. Not applicable.

TABLE OF CONTENTS


PART I
	Item 1. Business
	Item 1A. Risk Factors
	Item 2. Properties
	Item 3. Legal Proceedings
	Item 4. Submission of Matters to a Vote of Security Holders
	Item 1B. Unresolved Staff Comments
	Item 1112(b) of Regulation AB: Significant Obligor Financial Information
	Item 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial Information
	Item 1115(b) of Regulation AB: Derivative Instrument Provider Financial Information
	Item 1117 of Regulation AB: Legal Proceedings
PART II
	Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
	Item 6. Selected Financial Date
	Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
	Item 7A. Quantitative and Qualitative Disclosures About Market
	Item 8. Financial Statements and Supplementary
	Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure
	Item 9A. Controls and Procedures
	Item 9B. Other Information
PART III
	Item 10. Directors and Executive Officers of the Registrant
	Item 11. Executive Compensation
	Item 12. Security Ownership of Certain Beneficial Owners and Management
	Item 13. Certain Relationships and Related Transactions
	Item 14. Principal Accountant Fees and Services
	Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions
	Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria
	Item 1123 of Regulation AB: Servicer Compliance Statement
PART IV
	Item 15. Exhibits and Financial Statement Schedules
SIGNATURE
Exhibit Index
EX-31
EX-33.1
EX-33.2
EX-34.1
EX-34.2
EX-35

PART I

The following items are omitted in accordance with General Instruction J to Form 10-K:

Item 1. Business

Item 1A. Risk Factors

Item 2. Properties

Item 3. Legal Proceedings

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

Item 1B. Unresolved Staff Comments.

None.

Substitute information provided in accordance with General Instruction J to Form 10-K:

Item 1112(b) of Regulation AB: Significant Obligor Financial Information

The primary asset of the issuing entity is the collateral certificate, Series 2005-CC, representing an undivided interest in the National City Credit Card Master Trust, whose assets include the receivables arising in a portfolio of unsecured consumer revolving credit card accounts. National City Credit Card Master Trust, therefore, may be considered a significant obligor in relation to National City Credit Card Master Note Trust. Pursuant to Instruction 3.b. to Item 1112(b) of Regulation AB, the information required by Instruction J to Form 10-K in respect of National City Credit Card Master Trust has been disclosed in this report on Form 10-K in lieu of the information otherwise contemplated by Item 1112(b).

The pool assets held by National City Credit Card Master Trust do not include any significant obligors.

Item 1114(b)(2) of Regulation AB: Significant Enhancement Provider Financial Information

There is no entity or group of affiliated entities providing enhancement or other support that is liable or contingently liable to provide payments representing 10% or more of the cash flow supporting any offered class of asset-backed securities.

Item 1115(b) of Regulation AB: Derivative Instrument Provider Financial Information

There is no entity or group of affiliated entities providing derivative instruments of an aggregate significant percentage of 10% of more.

Item 1117 of Regulation AB: Legal Proceedings

There are no pending material legal or other proceedings involving National City Bank, as sponsor, depositor and servicer, National City Credit Card Master Trust and National City Credit Card Master Note Trust, each as an issuing entity, BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)), as master trust trustee, The Bank of New York Mellon (formerly The Bank of New York), as indenture trustee, Wilmington Trust Company, as owner trustee, or any other party described in Item 1117 of Regulation AB, or of which any property of the foregoing is the subject, that, individually or in the aggregate, would have a material adverse impact on investors in the securities to which this report on Form 10-K relates.

PART II

The following items are omitted in accordance with General Instruction J to Form 10-K:

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

Item 6. Selected Financial Date

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

Item 7A. Quantitative and Qualitative Disclosures About Market

Item 8. Financial Statements and Supplementary

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

Item 9A. Controls and Procedures

Item 9B. Other Information.

None.

PART III

The following items are omitted in accordance with General Instruction J to Form 10-K:

Item 10. Directors and Executive Officers of the Registrant

Item 11. Executive Compensation

Item 12. Security Ownership of Certain Beneficial Owners and Management

Item 13. Certain Relationships and Related Transactions

Item 14. Principal Accountant Fees and Services

Substitute information provided in accordance with General Instruction J to Form 10-K:

Item 1119 of Regulation AB: Affiliations and Certain Relationships and Related Transactions

Information required by Item 1119 of Regulation AB has been omitted from this report on Form 10-K in reliance on the Instruction to Item 1119.

Item 1122 of Regulation AB: Compliance with Applicable Servicing Criteria

Each of National City Bank, The Bank of New York Mellon (formerly The Bank of New York) and BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)) (each, a “Servicing Participant”), has been identified by the registrant as a party participating in the servicing function with respect to the pool assets held by each of National City Credit Card Master Trust and National City Credit Card Master Note Trust. Each of the Servicing Participants completed a report on an assessment of compliance with the servicing criteria applicable to such Servicing Participant (each, a “Report on Assessment”) as of, and for the 12-month period ending, December 31, 2008, which Reports on Assessment are attached as exhibits to this Form 10-K. In addition, each of the Servicing Participants provided an attestation report (each, an “Attestation Report”) by a registered independent public accounting firm regarding its related Report on Assessment. Each Attestation Report is attached as an exhibit to this Form 10-K. None of the Reports on Assessment or the related Attestation Reports identifies any material instances of

noncompliance with the servicing criteria described in the related Report on Assessment as being applicable to such Servicing Participant with the following exception. The Report on Assessment and the Attestation Report for The Bank of New York Mellon and BNY Mellon Trust of Delaware disclosed the following material instance of non-compliance:

1122(d)(2)(i): Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days of receipt, or such other number of days specified in the transaction agreements.

During the reporting period, certain payments on pool assets were not deposited into the appropriate segregated custodial bank account within the time frame required by the related transaction documents.

The segregated account for each specified series of securities was in existence prior to the time the deposits were to be made into such account but such account was not utilized in all instances by the Trustee as stated above. However, payments related to each specified series of securities were timely remitted to the investors in such series.

Existing procedures have been reviewed with staff to enable future payments to be deposited into the segregated account for each specified series within the applicable time frames.

Item 1123 of Regulation AB: Servicer Compliance Statement

National City Bank has been identified by the registrant as the servicer with respect to the pool assets held by each of National City Credit Card Master Trust and National City Credit Card Master Note Trust. National City Bank provided a statement of compliance (a “Compliance Statement”) for the 12-month period ending December 31, 2008 which has been signed by an authorized officer of National City Bank. The Compliance Statement is attached as an exhibit to this Form 10-K.

PART IV

Item 15. Exhibits and Financial Statement Schedules

(a)(1) Not applicable.

(a)(2) Not applicable.

(a)(3) Not applicable.

(b) The following exhibits are filed as part of this report:


Exhibit
Number		Description

4.1		Pooling and Servicing Agreement dated as of June 1, 1995, as amended and restated as of July 1, 2000 (included in Exhibit 4.1 to National City Credit Card Master Trust’s (the “Registrant”) Form S-3 filed with the Securities and Exchange Commission on July 27, 2000, which is incorporated herein by reference)

4.2		First Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of May 24, 2001 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 7, 2001, which is incorporated herein by reference)

4.3		Second Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of August 3, 2005 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on August 8, 2005, which is incorporated herein by reference)


Exhibit
Number		Description

4.4		Third Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of March 20, 2007 (included in Exhibit 4.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.5		Series 2005-CC Supplement relating to the Collateral Certificate (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.6		Indenture, dated as of August 23, 2005 (included in Exhibit 4.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.7		First Amendment to the Indenture, dated as of March 20, 2007 (included in Exhibit 4.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.8		Series 2005-1 Indenture Supplement, dated as of August 23, 2005 (included in Exhibit 4.4 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.9		Series 2006-1 Indenture Supplement, dated as of March 30, 2006 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on April 3, 2006, which is incorporated herein by reference)

4.10		Series 2007-1 Indenture Supplement, dated as of March 20, 2007 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.11		Series 2008-1 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)

4.12		Series 2008-2 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)

4.13		Series 2008-3 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)

4.14		National City Credit Card Master Note Trust Amended and Restated Trust Agreement, dated as of August 23, 2005 (included in Exhibit 4.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.15		First Amendment to National City Credit Card Master Note Trust Amended and Restated Trust Agreement, dated as of March 20, 2007 (included in Exhibit 4.4 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.16		Form of the Series 2005-1 Notes (included in Exhibit 4.8)

4.17		Form of the Series 2006-1 Notes (included in Exhibit 4.9)

4.18		Form of the Series 2007-1 Notes (included in Exhibit 4.10)


Exhibit
Number		Description

4.19		Form of the Series 2008-1 Notes (included in Exhibit 4.11)

4.20		Form of the Series 2008-2 Notes (included in Exhibit 4.12)

4.21		Form of the Series 2008-3 Notes (included in Exhibit 4.13)

4.22		Form of the Collateral Certificate (included in Exhibit 4.5)

10		Administration Agreement (included in Exhibit 10.1 to the Registrant’ Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

31		Certification of National City Bank pursuant to Rule 13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934.

33.1		Report on Assessment of Compliance with Servicing Criteria for National City Bank as of and for the 12-month period ending December 31, 2008.

33.2		Report on Assessment of Compliance with Servicing Criteria for The Bank of New York Mellon (formerly The Bank of New York) and BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)), as of and for the 12-month period ending December 31, 2008.

34.1		Attestation Report of Ernst & Young LLP on Assessment of Compliance with Servicing Criteria relating to National City Bank.

34.2		Attestation Report of KPMG LLP on Assessment of Compliance with Servicing Criteria relating to The Bank of New York Mellon (formerly The Bank of New York) and BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)).

35		Servicer Compliance Statement of National City Bank for the 12-month period ending December 31, 2008.

SIGNATURE

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.


	NATIONAL CITY BANK, Servicer
	National City Credit Card Master Note Trust
	National City Credit Card Master Trust

Date: March 24, 2009	By:	/s/ Russell A. Cronin, Jr.

	Name:	Russell A. Cronin, Jr.
	Title:	Senior Vice President

Exhibit Index


Exhibit
Number		Description

4.1		Pooling and Servicing Agreement dated as of June 1, 1995, as amended and restated as of July 1, 2000 (included in Exhibit 4.1 to National City Credit Card Master Trust’s (the “Registrant”) Form S-3 filed with the Securities and Exchange Commission on July 27, 2000, which is incorporated herein by reference)

4.2		First Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of May 24, 2001 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 7, 2001, which is incorporated herein by reference)

4.3		Second Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of August 3, 2005 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on August 8, 2005, which is incorporated herein by reference)

4.4		Third Amendment to the National City Credit Card Master Trust Pooling and Servicing Agreement, dated as of March 20, 2007 (included in Exhibit 4.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.5		Series 2005-CC Supplement relating to the Collateral Certificate (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.6		Indenture, dated as of August 23, 2005 (included in Exhibit 4.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.7		First Amendment to the Indenture, dated as of March 20, 2007 (included in Exhibit 4.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.8		Series 2005-1 Indenture Supplement, dated as of August 23, 2005 (included in Exhibit 4.4 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.9		Series 2006-1 Indenture Supplement, dated as of March 30, 2006 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on April 3, 2006, which is incorporated herein by reference)

4.10		Series 2007-1 Indenture Supplement, dated as of March 20, 2007 (included in Exhibit 4.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.11		Series 2008-1 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.1 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)

4.12		Series 2008-2 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)


Exhibit
Number		Description

4.13		Series 2008-3 Indenture Supplement, dated as of May 28, 2008 (included in Exhibit 4.1.3 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on June 4, 2008, which is incorporated herein by reference)

4.14		National City Credit Card Master Note Trust Amended and Restated Trust Agreement, dated as of August 23, 2005 (included in Exhibit 4.2 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

4.15		First Amendment to National City Credit Card Master Note Trust Amended and Restated Trust Agreement, dated as of March 20, 2007 (included in Exhibit 4.4 to the Registrant’s Form 8-K filed with the Securities and Exchange Commission on March 23, 2007, which is incorporated herein by reference)

4.16		Form of the Series 2005-1 Notes (included in Exhibit 4.8)

4.17		Form of the Series 2006-1 Notes (included in Exhibit 4.9)

4.18		Form of the Series 2007-1 Notes (included in Exhibit 4.10)

4.19		Form of the Series 2008-1 Notes (included in Exhibit 4.11)

4.20		Form of the Series 2008-2 Notes (included in Exhibit 4.12)

4.21		Form of the Series 2008-3 Notes (included in Exhibit 4.13)

4.22		Form of the Collateral Certificate (included in Exhibit 4.5)

10		Administration Agreement (included in Exhibit 10.1 to the Registrant’ Form 8-K filed with the Securities and Exchange Commission on September 6, 2005, which is incorporated herein by reference)

31		Certification of National City Bank pursuant to Rule 13a-14(d)/15d-14(d) under the Securities Exchange Act of 1934.

33.1		Report on Assessment of Compliance with Servicing Criteria for National City Bank as of and for the 12-month period ending December 31, 2008.

33.2		Report on Assessment of Compliance with Servicing Criteria for The Bank of New York Mellon (formerly The Bank of New York) and BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)), as of and for the 12-month period ending December 31, 2008.

34.1		Attestation Report of Ernst & Young LLP on Assessment of Compliance with Servicing Criteria relating to National City Bank.

34.2		Attestation Report of KPMG LLP on Assessment of Compliance with Servicing Criteria relating to The Bank of New York Mellon (formerly The Bank of New York) and BNY Mellon Trust of Delaware (formerly BNYM (Delaware), formerly The Bank of New York (Delaware)).

35		Servicer Compliance Statement of National City Bank for the 12-month period ending December 31, 2008.

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National City Credit Card Master Note Trust 10-K