<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                        Pursuant to Section 13 or 15(d)
                     of the Securities Exchange Act of 1934

                          Date of Report: June 10, 1997


                         CHASE CREDIT CARD MASTER TRUST
            (formerly known as "Chemical Master Credit Card Trust I"),
                         Series 1996-4 and Series 1997-1
       ------------------------------------------------------------------
                             (Issuer of Securities)

                 CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION
              (formerly known as "The Chase Manhattan Bank (USA)")
                             (Sponsor of the Trust)
             (Exact name of registrant as specified in its charter)




   United States               33-40006                  22-2382028 
  ---------------            -------------             ---------------
  (State or other            (Commission               (IRS Employer
  jurisdiction of            File Number)              Identification No.)
  incorporation)


         802 Delaware Avenue, Wilmington, Delaware     19801
        ----------------------------------------     ----------
        (Address of principal executive offices)     (Zip Code)


    Registrant's telephone number, including area code:  (302) 575-5050


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Item 5.  Other Events.
         -------------

     On or about April 15, 1997 and May 15, 1997 Monthly Interest as defined 
in the Pooling and Servicing Agreement dated as of October 19, 1995 (the 
"Agreement") between The Chase Manhattan Bank (formerly known as 'Chemical 
Bank') and The Bank of New York, as Trustee (the "Trustee"), was distributed to 
holders ("Certificateholders") of participations in the Chase Credit Card 
Master Trust (formerly known as "Chemical Master Credit Card Trust I") for
Series 1996-4 and Series 1997-1 in accordance with the Agreement. Copies of the 
applicable Monthly Reports, as defined in the Agreement, have been furnished to 
Certificateholders in accordance with the Agreement.  Copies of those Monthly 
Reports are being filed as Exhibits to this Current Report on Form 8-K.


Item 7(c).  Exhibits
            --------

            Exhibit No.           Description
            -----------            -----------

              20.1                 Monthly Reports with respect to the
                                   April 15, 1997 distribution

              20.2                 Monthly Reports with respect to the 
                                   May 15, 1997 distribution
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                                   SIGNATURES
                                   ----------


     Pursuant to the requirements of the Securities and Exchange Act of
1934, the registrant has caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                                 THE CHASE MANHATTAN BANK
                                                 As Servicer


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

Dated:  June 10, 1997

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                               INDEX TO EXHIBITS
                               -----------------


           Exhibit Nos.                 Description
           -----------                  -----------
 
            20.1                  Monthly Reports with respect to the 
                                  April 15, 1997 distribution
       
            20.2                  Monthly Reports with respect to the
                                  May 15, 1997 distribution