Exhibit 99.3

10/99                                                                     Page 1
                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

                         CC MASTER CREDIT CARD TRUST II
               (Formerly Chevy Chase Master Credit Card Trust II)
                                  SERIES 1995-C

         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 Bank, NA, 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 November 15,
1999,and with respect to the performance of the Trust during the month of
October, 1999, is set forth below. Certain of the information is presented on
the basis of an original principal amount of $1,000 per Series 1995-C
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                             $       4.8792708

                    (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                                      $       4.8792708

                    (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




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           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                             $       4.9869097

                    (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                                       $       4.9869097

                    (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




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           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