Exhibit 28.4

                       Consent of Independent Accountants


We hereby consent to the incorporation by reference in the Prospectuses
constituting part of the Registration Statements on Form S-3 (No. 333-05205) of
Chase Manhattan Bank USA, National Association of our report dated March 15,
2000 appearing as Exhibit 28.4 of this Form 10-K.



/s/ PRICEWATERHOUSECOOPERS LLP
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PRICEWATERHOUSECOOPERS LLP

New York, New York
March 15, 2000