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 (Date of earliest event reported)                  April 15, 2002
                                                                  --------------

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

            (As Servicer on behalf of FIRST CHICAGO MASTER TRUST II)



   Laws of the United States               0-16337                   51-0269396
   -------------------------               -------                   ----------
                                                      
(State or other jurisdiction of   (Commission File Number)  (IRS Employer Identification
 incorporation or organization)                                        Number)


201 North Walnut Street, Wilmington, Delaware                           19801
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(Address of principal executive offices)                              (Zip Code)

                  302/594-4000
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Registrant's telephone number, including area code



Item 5. Other Events

     The Registrant hereby incorporates by reference the information contained
in Exhibit 28 hereto in response to this Item 5.

Item 7. Financial Statements and Exhibits

     (c) Exhibits

       28A.      Excess Spread Analysis

       28B.      Monthly Servicer's Certificate -
                 Floating Rate Credit Card Certificates Series 1995-M
                 Floating Rate Credit Card Certificates Series 1995-O
                 Floating Rate Asset Backed Certificates Series 1996-S
                 Floating Rate Asset Backed Certificates Series 1997-U
                 Floating Rate Asset Backed Certificates Series 1999-X
                 Floating Rate Asset Backed Certificates Series 1999-Y

       28C.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Credit Card Certificates
                 Series 1995-M

       28D.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Credit Card Certificates
                 Series 1995-O

       28E.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1996-S

       28F.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1997-U

       28G.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1999-X

       28H.      Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1999-Y



                                    SIGNATURE

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

                                            FIRST USA BANK, NATIONAL ASSOCIATION
                                            as Servicer


                                            By:  /s/ Tracie H. Klein
                                                 -------------------------------
                                                 Name:   Tracie H. Klein
                                                 Title:  First Vice President

Date:  April 15, 2002
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                                INDEX TO EXHIBITS

Exhibit Number   Description of Exhibit
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     28A.        Excess Spread Analysis

     28B.        Monthly Servicer's Certificate - Floating Rate Credit Card
                 Certificates Series 1995-M Floating Rate Credit Card
                 Certificates Series 1995-O Floating Rate Asset Backed
                 Certificates Series 1996-S Floating Rate Asset Backed
                 Certificates Series 1997-U Floating Rate Asset Backed
                 Certificates Series 1999-X Floating Rate Asset Backed
                 Certificates Series 1999-Y

     28C.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Credit Card Certificates
                 Series 1995-M

     28D.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Credit Card Certificates
                 Series 1995-O

     28E.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1996-S

     28F.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1997-U

     28G.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1999-X

     28H.        Certificateholder's Payment Date Statement - First Chicago
                 Master Trust II Floating Rate Asset Backed Certificates
                 Series 1999-Y