MONTHLY CERTIFICATEHOLDERS' STATEMENT          Exhibit 99.5


                        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 CC Master Credit Card Trust II
(the "Trust") during the previous month. The information that is required to be
prepared with respect to the October 15, 1999, Distribution Date (referred to
herein as the "Distribution Date"), and with respect to the performance of the
Trust during the September, 1999, 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                                $    4.6083333

     (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                                            $    4.6083333

     (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
     Certificatedholders, per $1,000 original certificate
     principal amount                                            $    4.7958335

     (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                                            $    4.7958335

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