SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    Form 8-K

                                 CURRENT REPORT

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

                          Date of Report: July 17, 2000

                      CHASE CREDIT CARD OWNER TRUST 1999-3
            --------------------------------------------------------
                             (Issuer of Securities)

                 CHASE MANHATTAN BANK, USA, NATIONAL ASSOCIATION
            --------------------------------------------------------
             (Exact name of registrant as specified in its charter)


        United States                  333-74303                 22-2382028
- ----------------------------    ------------------------     -------------------
(State or other jurisdiction    (Commission File Number)     (IRS Employer
of incorporation)                                            Identification No.)


                  802 Delaware Avenue, Wilmington, DE              19801
                  ----------------------------------------------   -------------
                  (Address of principal executive offices)         (Zip Code)

Registrant's telephone number, including area code:  (302) 575-5050



Item 5.  Other Events:

         Chase Credit Card Owner Trust 1999-3 is the issuer of three classes of
asset backed notes. The notes were issued under an indenture, dated as of
September 1, 1999, between the trust and The Bank of New York, as Indenture
Trustee.

         On July 17, 2000, The Chase Manhattan Bank, as Paying Agent,
distributed monthly interest to the holders of the notes, and provided to
holders a report including the information required by Section 7.3 of the
Indenture. A copy of the statement provided to the holders of the notes is being
filed as Exhibit 20.1 to this Current Report on Form 8-K.

Item 7(c).        Exhibits

                  Exhibits          Description
                  ----------        ---------------

                  20.1              Monthly Statement to Noteholders with
                                    respect to the July 17, 2000 distribution.



                                   SIGNATURES

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

Dated:  July 26, 2000

                                       By: THE CHASE MANHATTAN BANK,
                                       USA, NATIONAL ASSOCIATION
                                       as Administrator

                                       By: /s/ Patricia Garvey
                                       -----------------------------------
                                       Name:    Patricia Garvey
                                       Title:   Vice President




                                       INDEX TO EXHIBITS
                                       ----------------------------

Exhibit No.                            Description
- ---------------                        -----------------
20.1                                   Statement to Noteholders dated 7/17/2000