SECURITIES AND EXCHANGE COMMISSION
                     Washington, D.C. 20549
                       __________________
                            FORM 10-K

                FOR ANNUAL AND TRANSITION REPORTS
             PURSUANT TO SECTIONS 13 OR 15(d) OF THE
                 SECURITIES EXCHANGE ACT OF 1934
(Mark One)

__x__     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE
     SECURITIES EXCHANGE ACT OF 1934
For the Fiscal Year Ended:  December 31, 1997
                               OR
_____     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF
     THE SECURITIES EXCHANGE ACT OF 1934

                                        33-40006
                                        33-45135
               Commission file number        33-91504

            Chase Manhattan Credit Card Master Trust
                              (issuer)
       The Chase Manhattan Bank USA, National Association
                              (depositor)
                  (Exact name of registrant as
                    specified in its charter)

               Delaware.                      22-2382028
    (State or Other Jurisdiction of         (IRS Employer
    Incorporation or Organization)          Identification
                                               Number)

802 Delaware Avenue, Wilmington, Delaware        19801
(Address of principal executive offices)      (Zip Code)
Registrant's telephone number, including area code:  (302) 575-5033

Securities registered pursuant to Section 12(b) of the Act:  NONE
Securities registered pursuant to Section 12(g) of the Act:  NONE

Indicate by check mark whether the registrant (1) has filed all
reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months
(or for such shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing
requirements for the past 90 days:
                         Yes   X      No
Indicate by check mark if disclosure of delinquent filers
pursuant to Item 405 of Regulation S-K is not contained herein,
and will not be contained, to the best of registrant's knowledge,
in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this
Form 10-K. __X__

State the aggregate market value of the voting stock held by non-
affiliates of the registrant:
The registrant has no voting stock or class of common stock
outstanding as of the date of this report.     On March 22, 1991,
the registrant was issued a no-action letter (the "No-Action
Letter") by the Commission with respect to certain of the
registrant's reporting requirements pursuant to Section 13 or
15(d) of the Act.

<PAGE>
This Annual Report on Form 10-K is filed in accordance with a
letter dated March 22, 1991 issued by the Office of Chief
Counsel, Division of Corporation Finance of the Securities and
Exchange Commission (the "Division") stating that the Division
will raise no objection if the Chase Manhattan Credit Card Master
Trust (the "Trust"), which is maintained pursuant to the Amended
and Restated Pooling and Servicing Agreement (the "Agreement")
between Chase Manhattan Bank USA, National Association (formally
known as The Chase Manhattan Bank (USA)) (the "Bank"), as seller
and servicer, and an unrelated trustee (the "Trustee"), files
reports pursuant to Sections 13, 15(d), and 16 of the Securities
Exchange Act of 1934, as amended (the "Exchange Act"), in the
manner described in letters dated January 16, 1991 and March 14,
1991, submitted to the Office of Chief Counsel on behalf of the
originators of the Trust.  Accordingly, responses to certain
Items have been omitted from or modified in this Annual Report on
Form 10-K.  The Chase Manhattan Credit Card Mastertrust is the
Issuer of Asset Backed Certificates, Series 1991-1, 1991-2, 1992-
1, 1995-1, 1995-2, 1996-1, 1996-2, 1996-3, and 1996-4.

<PAGE>
                             Part I

Item 1.   Business

          Omitted.

Item 2.   Properties

               The aggregate Investor Default Amount reported on
          Form 8-K in 1997 was $431,469,489.  There were no
          Investor Charge-offs for the same period.  As of
          December 31, 1997, Accounts in the Master Trust, having
          an aggregate balance of $462,903,495, or 6.16% of all
          Receivables, were delinquent 1-29 days;  Accounts
          having an aggregate balance of $125,497,719 or 1.67% of
          all Receivables, were delinquent 30-59 days; Accounts
          having an aggregate balance of $82,475,871 or 1.10% of
          all Receivables, were delinquent 60-89 days; Accounts
          having an aggregate balance of $156,824,433 or 2.09% of
          all Receivables, were delinquent 90 days or more.

Item 3.   Legal Proceedings

               The registrant knows of no material pending
          proceedings with respect to the Trust, the Trustee, The
          Chase Manhattan Bank or Chase Manhattan Bank USA, N.A.

Item 4.   Submission of Matters to a Vote of Security Holders

               No matter was submitted to a vote of
          Certificateholders during the fiscal year covered by
          this report.






                            PART II

Item 5.   Market for Registrant's Common Equity and Related
Stockholders
          Matters

               To the knowledge of the registrant, the
          Certificates are traded in the over-the-counter market
          to a limited extent.

               The records of the Trust indicate that as of
          December 31, 1997, there was one Certificateholder of
          record.

Item 6.   Selected Financial Data

          Omitted.

Item 7.   Management's Discussion and Analysis of Financial
Condition and            Results of Operations

          The Chase Manhattan Corporation (the "Corporation") has
          been actively working on the year 2000 computer problem
          for the past several years and has made significant
          progress in repairing its systems.  The Corporation's
          year 2000 remediation program includes repair of the
          systems of the Servicer for the Trust.  To date, the
          Corporation has completed the inventory, assessment and
          strategy phases of its year 2000 program.  During these
          phases, the Corporation identified hardware and
          software that required modification, developed
          implementation plans, prioritized tasks and established
          implementation time frames.  The process undertaken by
          the Corporation has required working with vendors,
          third-party service providers and customers, as well as
          with the Corporation's internal users of systems
          applications.  Although many applications, interfaces
          and locations are already able to handle post-year 2000
          data processing, much work remains to be completed.
          During 1998, year 2000 activities are being given
          highest priority, and the Corporation is targeting to
          have all major systems repaired, including those
          systems that are used by the Corporation in connection
          with the Trust, and the majority of testing of such
          systems, including those used in connection with the
          Trust, completed by year end.  Notwithstanding the
          substantial expense involved in such efforts by the
          Corporation, it is not expected that the Trust will be
          required to bear any expense in connection with the
          Corporation's year 2000 remediation program.


Item 8.   Financial Statements and Supplementary Data

          Omitted.

Item 9.   Changes in and Disagreements with Accountants on
Accounting
          and Financial Disclosure

          None.

                            PART III

Item 10.  Directors and Executive Officers of the Registrant

          Omitted.

Item 11.  Executive Compensation

          Omitted.

Item 12.  Security Ownership of Certain Beneficial Owners and
Management

          As of December 31, 1997, the Certificates were
          registered in the name of CEDE and Co.  The registrant
          understands that CEDE and Co. is the nominee for The
          Depository Trust Company ("DTC").  The Commission has
          concurred with the registrant's position that the
          registrant may consider holders of interests in the DTC
          System or DTC participants to be "holders of record"
          for the purposes of this Item 12.  The records of DTC
          indicate that at December 31, 1997, there were 14
          participants in the DTC system that held positions in
          Certificates representing interests in the Trust equal
          to more than 5% of the total principal amount of one or
          more classes of Certificates outstanding on that date.

          The registrant understands that DTC has no knowledge of
          the actual beneficial owners of the Certificates held
          of record by CEDE & Co., and that DTC knows only the
          identity of the participants to whose accounts such
          Certificates are credited, who may or may not be the
          beneficial owners of the Certificates.

Item 13.  Certain Relationships and Related Transactions

          None.

                            PART IV

Item 14.  Exhibits, Financial Statement Schedules, and Reports of
Form 8-K

          (a)  The following documents are filed as part of this
Annual                   Report on Form 10-K.

     Exhibit Number      Description

          28.1           Annual Servicer's Certificate pursuant to Section 3.05
                         of the Agreement.

          28.2           Annual Independent Accountants' Servicing Reports
                         pursuant to Section 3.06 of the Agreement.

          28.3           Consent of Independent Accountants.

          (b)  Reports on Form 8-K


The following Current Reports on Form 8-K were filed by the
registrant during the fourth quarter of 1997:

                    (1)  Current Report on Form 8-K, dated
               October 20, 1997 reporting Items 5 and 7(c),
               providing the Monthly Certificateholders'
               Statement with respect to the October 15, 1997
               distribution.

                    (2)  Current Report on Form 8-K, dated
               November 26, 1997, reporting Items 5 and 7(c),
               providing the Monthly Certificateholders'
               Statement with respect to the November 17, 1997
               distribution.




                                SIGNATURES

          Pursuant to the requirements of Section 13 or 15(d) of
the Securities Exchange Act of 1934, the registrant has duly
caused this report to be signed on its behalf by the undersigned,
thereunto duly authorized.

            Chase Manhattan Credit Card Master Trust


                     by Chase Manhattan Bank USA, National
                        Association



                      by:  /s/ Patricia Garvey
                            Name:  Patricia Garvey
                            Title: Vice President


Date:  March 24, 1998

<PAGE>

INDEX TO EXHIBITS



Exhibit Number                       Description
Page


    28.1                 Annual Servicer's Certificate pursuant
                         to Section 3.05 of the Agreement.

    28.2                 Annual Accountant's Report pursuant to
                         Section 3.06 of the Agreement.

    28.3                 Consent of Independent Accountants.



<PAGE>


                                                     Exhibit 28.1
                 ANNUAL SERVICER'S CERTIFICATE

                 CHASE MANHATTAN BANK USA, N.A.
                 ______________________________

            Chase Manhattan Credit Card Master Trust
    ________________________________________________________

           The  undersigned, a duly authorized representative  of
Chase  Manhattan  Bank  USA, National Association  ("Chase"),  as
Servicer  pursuant  to  the  Amended  and  Restated  Pooling  and
Servicing Agreement, dated as of June 1, 1996, (The "Pooling  and
Servicing  Agreement") by and between Chase and Yasuda  Bank  and
Trust  Company (U.S.A.), as trustee (the "Trustee"), does  hereby
certify that:

           1.   Chase is Servicer under the Pooling and Servicing
Agreement.

          2.   The undersigned is duly authorized pursuant to the
Pooling  and  Servicing  Agreement to execute  and  deliver  this
Certificate to the Trustee.

           3.   This Certificate is delivered pursuant to Section
3.05 of the Pooling and Servicing Agreement.

           4.   A review of the activities of the Servicer during
the calendar year ended December 31, 1997, was conducted under my
supervision.

           5.    Based on such review, the Servicer has,  to  the
best  of  my knowledge, fully performed in all material  respects
all  its  obligations  under the Pooling and Servicing  Agreement
throughout such period and no material default in the performance
of  such obligations has occurred or is continuing except as  set
forth in paragraph six below.

           6.   The following is a description of each default in
the   performance  of  the  Servicer's  obligations   under   the
provisions  of the Pooling and Servicing Agreement including  any
Supplement  known  to  me to have been made during  each  period:
None.

           IN  WITNESS WHEREOF, the undersigned has duly executed
this certificate this 24th day of March, 1998.


                                          _/s/ Keith Schuck____________________
                                          Name:          Keith Schuck
                                          Title:    Vice President/Controller

<PAGE>

                                                     Exhibit 28.2





Report of Independent Accountants


March 27, 1998

To the Board of Directors of
Chase Manhattan Bank USA, N.A.


We have examined management's assertion that, as of December 31,
1997, the Chase Manhattan Bank USA, N.A. maintained an effective
system of internal control over servicing of securitized credit
card receivables, included in the accompanying Management Report
on Internal Control over Servicing of Securitized Credit Card
Receivables.

Our examination was made in accordance with standards established
by the American Institute of Certified Public Accountants and,
accordingly included obtaining an understanding of internal
control over servicing of securitized credit card receivables,
testing and evaluating the design and operating effectiveness of
internal control, and such other procedures as we considered
necessary in the circumstances.  We believe that our examination
provides a reasonable basis for our opinion.

Because of inherent limitations in internal control, errors or
irregularities may occur and not be detected.  Also, projections
of any evaluation of the system of internal control over
servicing of securitized credit card receivables to future
periods are subject to the risk that internal control may become
inadequate because of changes in conditions, or that the degree
of compliance with the policies or procedures may deteriorate.

In our opinion, management's assertion that, as of December 31,
1997, the Chase Manhattan Bank USA, N.A. maintained an effective
system of internal control over servicing of securitized credit
card receivables, is fairly stated, in all material respects,
based upon the criteria for effective internal control described
in "Internal Control - Integrated Framework" issued by the
Committee of Sponsoring Organizations of the Treadway Commission.

/s/Price Waterhouse LLP
                                                    
<PAGE>
                                                                   Exhibit 28.3
                                                                 


Consent of Independent Accountants


We hereby consent to the incorporation by reference in the
Prospectuses constituting part of the Registration Statements on
Form S-3 (No. 33-91504, 333-5205) and on Form S-1 (Nos. 33-89058)
of Chase Manhattan Bank USA, National Association of our report
dated March 27, 1998 appearing as Exhibit 28.2 of this Form 10-K.


/s/PRICE WATERHOUSE LLP



New York, New York
March 31, 1998