EXHIBIT 99.5
12/98 Page 1
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, NA, (First USA"), as
Transferor and Servicer, 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 Series 1996-A Certificateholders
and the performance of the First USA 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, 1999, Distribution Date (referred t
herein as the "Distribution Date"), and with respect to the performance of
the Trust during the December, 1998, 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 $ 4.8958214
(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 $ 4.8958214
(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
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(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
Certificatedholders, per $1,000
original certificate principal amount $ 5.0895715
(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 $ 5.0895715
(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
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First USA Bank, NA,
as Servicer
By /s/ TRACIE H. KLEIN
------------------------
Tracie H. Klein
Vice President