EXHIBIT 99.1

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                     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, NA, as Transferor
and Servicer ("First USA"), First USA, as Transferor, and Bankers Trust Company,
as trustee (the "Trustee"), First USA, as Servicer, is required to prepare
certain information each month regarding current distributions to
Certificateholders and the performance of the CC Master Credit Card Trust II
(the "Trust") during the previous month. The information which is required to be
prepared with respect to the Distribution Date of October 15, 1998, and with
respect to the performance of the Trust during the month of September, 1998 is
set forth below. Certai of the 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           $      4.8665333

           (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                    $      4.8665333

           (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


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           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
           Certificatedholders, per $1,000
           original certificate principal amount           $      4.9582000

           (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 
           cerificate principal amount                     $      4.9582000

           (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 
           cerificate 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 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 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, NA,
                                        as Servicer

                                        By /s/ TRACIE KLEIN
                                           --------------------------------
                                                   Tracie H. Klein
                                                    Vice President