Exhibit 28.4
                     CHASE MANHATTAN AUTO OWNER TRUST 1998-A
                           ANNUAL ISSUER'S CERTIFICATE
                                       of
                            COMPLIANCE WITH INDENTURE

      The undersigned certifies that he is an Authorized Officer of Wilmington
Trust Company, as Owner Trustee for Chase Manhattan Auto Owner Trust 1998-A and
that he is duly authorized to execute and deliver this certificate on behalf of
the Issuer in connection with Section 3.9 of the Indenture between the Issuer
and Norwest Bank Minnesota, National Association, as Indenture Trustee, dated as
of February 1, 1998 (the "Indenture") and the Sale and Servicing Agreement,
dated as of February 1, 1998 (the "Agreement"), among Chase Manhattan Bank USA,
National Association, as Servicer, Chase Manhattan Bank USA, National
Association and The Chase Manhattan Bank, as Sellers, and Wilmington Trust
Company, as Owner Trustee. All capitalized terms used herein without definition
shall have the respective meanings specified in the Indenture and the Agreement.

      The undersigned further certifies that a review of the activities of the
Issuer for the preceding calendar year has been made under his supervision and,
to the best of his knowledge, the Issuer has fulfilled its obligations under the
Indenture for the preceding calendar year.

      IN WITNESS WHEREOF, I have affixed hereto my signature as of this 15th day
of March, 2000.

                        CHASE MANHATTAN AUTO OWNER TRUST 1998-A
                        BY: WILMINGTON TRUST COMPANY, as Owner Trustee



                               /s/ Denise Geran
                               --------------------------------------
                               Name: Denise Geran
                               Title: Financial Services Officer

Chase Manhattan Bank USA, National Association, as Servicer, hereby requests
that Wilmington Trust Company execute the above Issuer's Certificate and deliver
it to Norwest Bank Minnesota, National Association, as Indenture Trustee.

                               CHASE MANHATTAN BANK USA,
                               NATIONAL ASSOCIATION, as Servicer


                               /s/ Jeffrey D. Hammer
                               --------------------------------------
                               Jeffrey D. Hammer
                               Vice President