Exhibit 20.1
                                                           ------------

                         CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1991-1
         MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 65

          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                 $ 83.940965

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                  $ 83.333326

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.607639

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period 64                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period 65                              $ 9,600,189,797

       C. Investor Interest, end of period 64                     $ 83,333,326

       D. Investor Interest, end of period 65                              $ 0

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period 64                    0.8539%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period 65                    0.0000%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 60                       11.70%
          2.   Period - 61                       12.44%
          3.   Period - 62                       11.37%
          4.   Period - 63                       11.59%
          5.   Period - 64                       11.71%
          6.   Period - 65                       10.87%
          7.   6 mo. avg.                        11.61%

       C. Collections of Principal Receivables
          allocated to Certificateholders                         $ 97,790,930

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0
<PAGE>
       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                  $ 1,140,199

       F. Annualized gross portfolio yield for:

          1.   Period - 63                       17.05%
          2.   Period - 64                       16.55%
          3.   Period - 65                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                               <C>                           <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                          $ 342,231

       B. Investor default Percentage for:

         1. Period - 63                        4.48%
         2. Period - 64                        3.98%
         3. Period - 65                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                     10.90%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 63                        1.67%
         2. Period - 64                        1.68%
         3. Period - 65                        0.59%
         4. 3 mo. avg.                         1.31%

VI.    Monthly Investor Servicing Fee                                $ 149,306

VII.   Draw from Cash Collateral Account                                   $ 0

VIII.  Required Cash Collateral Amount                                     $ 0

IX.    Available Cash Collateral Amount                                    $ 0

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              0.000000000000

<PAGE>

                         CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1992-1
         MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 57


          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                 $ 88.472222

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                  $ 83.333333

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 5.138889

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period 56                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period 57                              $ 9,600,189,797

       C. Investor Interest, end of period 56                    $ 625,000,000

       D. Investor Interest, end of period 57                    $ 562,500,000

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period 56                    6.4045%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period 57                    5.8593%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed during the preceding
          Monthly Period                                       $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 52                       11.70%
          2.   Period - 53                       12.44%
          3.   Period - 54                       11.37%
          4.   Period - 55                       11.59%
          5.   Period - 56                       11.71%
          6.   Period - 57                       10.87%
          7.   6 mo. avg.                        11.61%

       C. Collections of Principal Receivables
          during the preceding
          Monthly period                                          $ 74,769,526

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0
<PAGE>

       E. Collections of Finance Charges
          during the preceding
          Monthly Period                                           $ 8,551,490

       F. Annualized gross portfolio yield for:

          1.   Period - 55                       17.05%
          2.   Period - 56                       16.55%
          3.   Period - 57                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
     <S>                                 <C>                       <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 2,566,734

       B. Investor default Percentage for:

         1. Period - 55                        4.48%
         2. Period - 56                        3.98%
         3. Period - 57                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      9.65%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 55                        2.92%
         2. Period - 56                        2.93%
         3. Period - 57                        1.84%
         4. 3 mo. avg.                         2.56%

VI.    Monthly Investor Servicing Fee                              $ 1,119,792

VII.   Withdrawal from Cash Collateral Account
       under Section 4.06                                                  $ 0

VIII.  Required Cash Collateral Amount                            $ 61,875,000

IX.    Available Cash Collateral Amount                           $ 61,875,000

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              0.750000000000

<PAGE>

                         CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1995-1
         MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 21

          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 4.775636

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 4.775636

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period 20                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period 21                              $ 9,600,189,797

       C. Investor Interest, end of period 20                  $ 1,000,000,000

       D. Investor Interest, end of period 21                  $ 1,000,000,000

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period 20                   10.2472%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period 21                   10.4165%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 16                       11.70%
          2.   Period - 17                       12.44%
          3.   Period - 18                       11.37%
          4.   Period - 19                       11.59%
          5.   Period - 20                       11.71%
          6.   Period - 21                       10.87%
          7.   6 mo. avg.                        11.61%

       C. Collections of Principal Receivables
          allocated to Certificateholders                         $ 98,218,395

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                 $ 13,682,385
<PAGE>

       F. Annualized gross portfolio yield for:

          1.   Period - 19                       17.05%
          2.   Period - 20                       16.55%
          3.   Period - 21                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                               <C>                        <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 4,106,774

       B. Investor default Percentage for:

         1. Period - 19                        4.48%
         2. Period - 20                        3.98%
         3. Period - 21                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      7.70%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 19                        4.75%
         2. Period - 20                        4.76%
         3. Period - 21                        3.75%
         4. 3 mo. avg.                         4.42%

VI.    Monthly Investor Servicing Fee                              $ 1,791,667

VII.   Draw from Cash Collateral Account                                   $ 0

VIII.  Required Cash Collateral Amount                            $ 10,000,000

IX.    Available Cash Collateral Amount                           $ 10,000,000

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000

<PAGE>

                       THE CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1995-2
         MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 18

          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 4.764872

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 4.764872

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period 17                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period 18                              $ 9,600,189,797

       C. Investor Interest, end of period 17                  $ 1,500,000,000

       D. Investor Interest, end of period 18                  $ 1,500,000,000

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period 17                   15.3708%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period 18                   15.6247%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 13                       11.70%
          2.   Period - 14                       12.44%
          3.   Period - 15                       11.37%
          4.   Period - 16                       11.59%
          5.   Period - 17                       11.71%
          6.   Period - 18                       10.87%
          7.   6 mo. avg.                        11.61%

       C. Collections of Principal Receivables
          allocated to Certificateholders                        $ 147,327,593

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0
<PAGE>

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                 $ 20,523,577

       F. Annualized gross portfolio yield for:

          1.   Period - 16                       17.05%
          2.   Period - 17                       16.55%
          3.   Period - 18                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                              <C>                          <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 6,160,161

       B. Investor default Percentage for:

         1. Period - 16                        4.48%
         2. Period - 17                        3.98%
         3. Period - 18                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      7.68%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 16                        4.76%
         2. Period - 17                        4.77%
         3. Period - 18                        3.76%
         4. 3 mo. avg.                         4.43%

VI.    Monthly Investor Servicing Fee                              $ 2,687,500

VII.   Draw from Cash Collateral Account                                   $ 0

VIII.  Required Cash Collateral Amount                            $ 15,000,000

IX.    Available Cash Collateral Amount                           $ 15,000,000

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000

<PAGE>


                       CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-1
         MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 10

          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 4.751826

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 4.751826

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period  9                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period 10                              $ 9,600,189,797

       C. Investor Interest, end of period  9                  $ 1,500,000,000

       D. Investor Interest, end of period 10                  $ 1,500,000,000

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period  9                   15.3708%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period 10                   15.6247%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 5                       11.70%
          2.   Period - 6                       12.44%
          3.   Period - 7                       11.37%
          4.   Period - 8                       11.59%
          5.   Period - 9                       11.71%
          6.   Period - 10                      10.87%
          7.   6 mo. avg.                       11.61%

       C. Collections of Principal Receivables
          allocated to Certificateholders                        $ 147,327,593

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                 $ 20,523,577
<PAGE>

       F. Annualized gross portfolio yield for:

          1.   Period -  8                       17.05%
          2.   Period -  9                       16.55%
          3.   Period - 10                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
     <S>                               <C>                           <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                       $ 6,160,161

       B. Investor default Percentage for:

         1. Period -  8                        4.48%
         2. Period -  9                        3.98%
         3. Period - 10                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      7.67%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 8                        4.78%
         2. Period - 9                        4.79%
         3. Period - 10                       3.78%
         4. 3 mo. avg.                        4.45%

VI.    Monthly Investor Servicing Fee                              $ 2,687,500

VII.   Draw from Cash Collateral Account                                   $ 0

VIII.  Required Cash Collateral Amount                                     $ 0

IX.    Available Cash Collateral Amount                                    $ 0

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000

<PAGE>


                       THE CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-2
          MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 7


          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 0.447579

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.447579

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period  6                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period  7                              $ 9,600,189,797

       C. Investor Interest, end of period  6                    $ 296,703,297

       D. Investor Interest, end of period  7                    $ 296,703,297

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period  6                    3.0404%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period  7                    3.0906%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 2                       11.70%
          2.   Period - 3                       12.44%
          3.   Period - 4                       11.37%
          4.   Period - 5                       11.59%
          5.   Period - 6                       11.71%
          6.   Period - 7                       10.87%
          7.   6 mo. avg.                       11.61%


       C. Collections of Principal Receivables
          allocated to Certificateholders                         $ 29,141,722

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0
<PAGE>

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                  $ 4,059,609

       F. Annualized gross portfolio yield for:

          1.   Period -  5                       17.05%
          2.   Period -  6                       16.55%
          3.   Period -  7                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                               <C>                           <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 1,218,493

       B. Investor default Percentage for:

         1. Period -  5                        4.48%
         2. Period -  6                        3.98%
         3. Period -  7                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      7.75%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 5                        4.80%
         2. Period - 6                        4.81%
         3. Period - 7                        3.73%
         4. 3 mo. avg.                        4.45%

VI.    Monthly Investor Servicing Fee                                $ 531,593

VII.   Draw from Cash Collateral Account                                   $ 0

VIII.  Required Cash Collateral Amount                             $ 7,862,637

IX.    Available Cash Collateral Amount                            $ 7,862,637

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000

<PAGE>


                       THE CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-3
          MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 6


          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 5.815530

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 5.815530

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period  5                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period  6                              $ 9,600,189,797

       C. Investor Interest, end of period  5                  $ 1,069,519,786

       D. Investor Interest, end of period  6                  $ 1,069,519,786

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period  5                   10.9596%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period  6                   11.1406%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 1                       11.70%
          2.   Period - 2                       12.44%
          3.   Period - 3                       11.37%
          4.   Period - 4                       11.59%
          5.   Period - 5                       11.71%
          6.   Period - 6                       10.87%
          7.   6 mo. avg.                       11.61%


       C. Collections of Principal Receivables
          allocated to Certificateholders                        $ 105,046,517

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                 $ 14,633,581
<PAGE>

       F. Annualized gross portfolio yield for:

          1.   Period -  4                       17.05%
          2.   Period -  5                       16.55%
          3.   Period -  6                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                              <C>                          <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 4,392,276

       B. Investor default Percentage for:

         1. Period -  4                        4.48%
         2. Period -  5                        3.98%
         3. Period -  6                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      9.12%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 4                        3.44%
         2. Period - 5                        3.45%
         3. Period - 6                        2.37%
         4. 3 mo. avg.                        3.09%

VI.    Monthly Investor Servicing Fee                              $ 1,916,223

VII.   Draw from Cash Collateral Account                           $ 5,347,599

VIII.  Required Cash Collateral Amount                            $ 16,042,797

IX.    Available Cash Collateral Amount                           $ 16,042,797

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000

<PAGE>


                       CHASE MANHATTAN BANK USA, N.A.
             CHASE MANHATTAN CREDIT CARD MASTER TRUST SERIES 1996-4
          MONTHLY CERTIFICATEHOLDERS' STATEMENT FOR MONTHLY PERIOD 6


          Monthly Period - Beginning Date                  11/01/1996
          Monthly Period - End Date                        11/30/1996
          Determination Date                               12/06/1996
          Remittance Date                                  12/16/1996


I.     Information Regarding Distributions to Certificateholders

       A. Total amount distributed to
          Certificateholders (per $1,000
          Initial Invested Amount)                                  $ 5.570857

       B. Total principal Amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 0.000000

       C. Total interest amount
          distributed to Certificateholders
          (per $1,000 Initial Invested
          amount)                                                   $ 5.570857

II.    Receivables Balances

       A. Aggregate Principal Receivables in
          Trust, end of period  5                              $ 9,758,780,843

       B. Aggregate Principal Receivables in
          Trust, end of period  6                              $ 9,600,189,797

       C. Investor Interest, end of period  5                  $ 1,069,519,786

       D. Investor Interest, end of period  6                  $ 1,069,519,786

       E. Investor Interest as a percentage
          of Trust Principal Receivables, period  5                   10.9596%

       F. Investor Interest as a percentage
          of Trust Principal Receivables, period  6                   11.1406%

III.   Collections During Due Period

       A. Aggregate amount of Collections
          processed                                            $ 1,082,926,494

       B. Monthly Pay Rate for:

          1.   Period - 1                       11.70%
          2.   Period - 2                       12.44%
          3.   Period - 3                       11.37%
          4.   Period - 4                       11.59%
          5.   Period - 5                       11.71%
          6.   Period - 6                       10.87%
          7.   6 mo. avg.                       11.61%

       C. Collections of Principal Receivables
          allocated to Certificateholders                        $ 105,046,517

       D. Amount by which Controlled Amortization
          Amount exceeds principal allocated
          to Investors                                                     $ 0

       E. Collections of Finance Charges
          allocated to Investor Certificate-
          holders                                                 $ 14,633,581
<PAGE>

       F. Annualized gross portfolio yield for:

          1.   Period -  4                       17.05%
          2.   Period -  5                       16.55%
          3.   Period -  6                       16.42%
          4.   3 mo. avg.                        16.67%
<TABLE>
<CAPTION>

IV.    Delinquent Balances
                                               Aggregate            Percent of
                                               Account              Aggregate
                                               Balances             Receivables
      <S>                               <C>                         <C>

       A. Less than 30 days delinquent    $ 713,075,992.79              7.26%
       B. 30 - 59 days delinquent         $ 203,853,433.64              2.08%
       C. 60 - 89 days delinquent         $ 118,113,923.67              1.20%
       D. 90 or more days delinquent      $ 194,593,029.38              1.98%
       E. Total                         $ 1,229,636,379.48             12.52%
</TABLE>

V.     Default Summary

       A. Aggregate Investor Default Amount                        $ 4,392,276

       B. Investor default Percentage for:

         1. Period -  4                        4.48%
         2. Period -  5                        3.98%
         3. Period -  6                        4.93%
         4. 3 mo. avg.                         4.46%

       C. Investor Charge Offs
         1. Aggregate dollar amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       D. Reimbursed Investor Charge Offs
         1. Aggregate dollar Amount                                        $ 0
         2. Per $1000 of Initial Investor Certificate                      $ 0

       E. Base Rate                                                      8.82%
       F. Net Portfolio Yield Minus Base Rate for:

         1. Period - 4                        3.73%
         2. Period - 5                        3.74%
         3. Period - 6                        2.66%
         4. 3 mo. avg.                        3.38%

VI.    Monthly Investor Servicing Fee                              $ 1,916,223

VII.   Draw from Cash Collateral Account                           $ 5,347,599

VIII.  Required Cash Collateral Amount                            $ 16,042,797

IX.    Available Cash Collateral Amount                           $ 16,042,797

X.     Deficit Controlled Amortization
       Amount                                                              $ 0

XI.    Pool Factor                                              1.000000000000