Exhibit 99.6

December 2001


                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

              CC MASTER CREDIT CARD TRUST II (Formerly Chevy Chase
                          Master Credit Card Trust II)

                                  SERIES 1996-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
1996-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 January 15, 2002, Distribution Date (referred to
herein as the "Distribution Date"), and with respect to the performace of the
Trust during the December 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 1996-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
           principal amount                                           $0.0000000

      (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                                                     $0.0000000

      (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 principal amount                      $0.0000000

      (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                                           $0.0000000

      (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                                           $0.0000000

      (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 H. Klein
                                               ---------------------------------
                                               Tracie H. Klein
                                               First Vice President