CC Master Credit Card Trust Ii 8-K Financial statements and exhibits

Exhibit 99.1

CC MASTER CREDIT CARD TRUST II

Excess Spread Analysis—November 2002

Series		1995-C		1996-C		1998-A
Deal Size		$400 MM		$271.50 MM		$600 MM
Expected Maturity		02/18/03		02/16/04		09/15/03
Yield		10.16	%	18.04	%	16.73	%
Less:	Coupon	1.65	%	1.62	%	1.65	%
	Servicing Fee	0.40	%	1.50	%	1.21	%
	Net Credit Losses	3.35	%	7.49	%	6.76	%
Excess Spread:
	November-02	4.76	%	7.43	%	7.11	%
	October-02	6.75	%	8.75	%	9.07	%
	September-02	7.03	%	7.95	%	7.92	%
Three month Average Excess Spread		6.18	%	8.04	%	8.03	%
Delinquency:
	30 to 59 days	2.25	%	2.25	%	2.25	%
	60 to 89 days	1.64	%	1.64	%	1.64	%
	90 + days	3.23	%	3.23	%	3.23	%
	Total	7.12	%	7.12	%	7.12	%
Payment Rate		11.18	%	11.18	%	11.18	%