Exhibit 99.1

                              OFFICER'S CERTIFICATE
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                   CHASE CREDIT CARD OWNER TRUST SERIES 1999-3

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      The undersigned, an Authorized Officer of the Chase Manhattan Bank USA,
National Association, as Administrator pursuant to the Indenture for the Chase
Credit Card Owner Trust Series 1999-3 does hereby certify that:

                  1. The undersigned is an Authorized Officer pursuant to the
            Indenture to execute and deliver this Certificate to the Indenture
            Trustee.

                  2. This Certificate is delivered pursuant to Section 3.9 of
            the Indenture.

                  3. A review of the activities of the Issuer for the calendar
            year ended December 31, 2002, and of performance under this
            Indenture has been made under the supervision of the undersigned.

                  4. To the best of the undersigned knowledge, based on such
            review, the Issuer has complied with all conditions and covenants in
            all material respects under this Indenture for the calendar year
            ended December 31, 2002. No default in the compliance of any such
            condition or covenant has occurred or is continuing except as set
            forth in paragraph 5 below.

                  5. The following is a description of each default in the
            performance of the Issuer's obligations under the provisions of the
            Indenture known to the undersigned to have been made during such
            period which sets forth in detail (i) the nature of each such
            default, (ii) the action taken by the Issuer, if any, to remedy each
            such default and (iii) the current status of each such default:
            NONE.


      IN WITNESS WHEREOF, the undersigned has duly executed this certificate
this 28th day of March, 2003.

                                              By CHASE MANHATTAN BANK
                                              USA, National Association,
                                              as Administrator




                                              By:  /s/ Patricia M. Garvey
                                                   -----------------------------
                                              Name: Patricia M. Garvey
                                              Title: Vice President