EXHIBIT 99.2

November 2001


                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

                         CC MASTER CREDIT CARD TRUST II
               (Formerly Chevy Chase Master Credit Card Trust II)
                                  SERIES 1995-A

Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995, (the
"Pooling and Servicing Agreement"), among First USA Bank, National Association,
("First USA"), as Transferor and Servicer, and Bankers Trust Company, as Trustee
(the "Trustee"), First USA as Servicer is required to prepare certain
information each month regarding current distributions to Series 1995-A
Certificateholders and the performance of the CC Master Credit Card Trust II
(the "Trust") during the previous month. The information that is required to be
prepared with respect to the December 17, 2001, Distribution Date (referred to
herein as the "Distribution Date"), and with respect to the performace of the
Trust during the November 2001, Monthly Period (referred to herein as the
"Monthly Period") is set forth below. Certain of the information is presented on
the basis of an original principal amount of $1,000 per Series 1995-A
Certificate (a "Certificate"). Certain other information is presented based on
the aggregate amounts for the Trust as a whole. Capitalized terms used in this
Monthly Statement have their respective meanings set forth in the Pooling and
Servicing Agreement.

A)   Information Regarding Distributions to the Class A
     Certificateholders, per $1,000 original certificate
     principal amount.

     (1)  The total amount of the distribution to Class A
          Certificateholders, per $1,000 original certificate         $2.0711111
          principal amount

     (2)  The amount of the distribution set forth in
          paragraph 1 above in respect of interest on the
          Class A Certificates, per $1,000 original
          certificate principal amount                                $2.0711111

     (3)  The amount of the distribution set forth in
          paragraph 1 above in respect of principal of the
          Class A Certificates, per $1,000 original certificate
          principal amount                                            $0.0000000

B)   Class A Investor Charge Offs and Reimbursement of Charge Offs

     (1)  The amount of Class A Investor Charge Offs                  $0.0000000

     (2)  The amount of Class A Investor Charge Offs set forth in
          paragraph 1 above, per $1,000 original certificate          $0.0000000
          principal amount

     (3)  The total amount reimbursed in respect of Class A
          Investor Charge Offs                                        $0.0000000



     (4)  The amount set forth in paragraph 3 above, per
          $1,000 original certificate principal amount                $0.0000000

     (5)  The amount, if any, by which the outstanding principal
          balance of the Class A Certificates exceeds the Class
          A Invested Amount after giving effect to all
          transactions on such Distribution Date                      $0.0000000

C)   Information Regarding Distributions to the Class B
     Certificateholders, per $1,000 original certificate
     principal amount

     (1)  The total amount of the distribution to Class B
          Certificateholders, per $1,000 original certificate
          principal amount                                            $2.1688888

     (2)  The amount of the distribution set forth in paragraph
          1 above in respect of interest on the Class B
          Certificates, per $1,000 original certificate
          principal amount                                            $2.1688888

     (3)  The amount of the distribution set forth in paragraph
          1 above in respect of principal on the Class B
          Certificates, per $1,000 original certificate
          principal amount                                            $0.0000000

D)   Class B Investor Charge Offs and Reimbursement of Charge
     Offs

     (1)  The amount of Class B Investor Charge Offs                  $0.0000000

     (2)  The amount of Class B Investors Charge Offs set
          forth in paragraph 1 above, per $1,000 original
          certificate principal amount                                $0.0000000

     (3)  The total amount reimbursed in respect of Class B
          Investor Charge Offs                                        $0.0000000

     (4)  The amount set forth in paragraph 3 above, per
          $1,000 original certificate principal amount                $0.0000000

     (5)  The amount, if any, by which the outstanding
          principal balance of the Class B Certificates exceeds
          the Class B Invested Amount after giving effect to
          all transactions on such Distribution Date                  $0.0000000



                                       First USA Bank, National Association
                                       as Servicer

                                       By /s/ Tracie Klein
                                         -----------------------------------
                                          Tracie H. Klein
                                          First Vice President