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, 1998
                               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 (formerly
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 1995-1, 1995-2, 1996-1,
1996-2, 1996-3, and 1996-4.

<PAGE>
                             Part I

Item 1.   Business

          Omitted.

Item 2.   Properties

               Pursuant to the Agreement, the Bank has transferred
          to the Trust from time to time the receivables (the "Receivables")
          arising in certain credit card accounts. 

               The aggregate Investor Default Amount reported on
          Forms 8-K in 1998 was $314,903,759.  There were no
          Investor Charge-offs for the same period.  As of
          December 31, 1998, Accounts in the Master Trust, having
          an aggregate balance of $280,543,721.00, or 5.48%% of all
          Receivables, were delinquent 1-29 days;  Accounts
          having an aggregate balance of $79,478,217.00 or 1.55% of
          all Receivables, were delinquent 30-59 days; Accounts
          having an aggregate balance of $51,635.963.00 or 1.01%% of
          all Receivables, were delinquent 60-89 days; Accounts
          having an aggregate balance of $108,443,590.00 or 2.12% 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.

               As of December 31, 1998, 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".
          
               Series              # of Holders
               ------              ------------
               1995-1                   0
               1995-2                   4
               1996-1                  18
               1996-2                   5
               1996-3                  45
               1996-4                  79


               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 6.   Selected Financial Data

          Omitted.

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

               Year 2000  efforts for Chase USA are being  coordinated,
          managed and  monitored as part of the Year 2000 efforts of The Chase
          Manhattan  Corporation  (the  "Corporation")  by the  Corporation's
          Year 2000 Enterprise  Program Office (the "Program  Office").  The
          Program Office reports  directly to the Executive  Committee of the
          Corporation  and is responsible  for the  Corporation's  Year 2000
          efforts,  both technical and business-related,  on a global basis. In
          addition, a Year 2000 Core Team (the "Core Team"),  consisting of
          senior  managers from internal audit,  technology risk and control,
          financial  management and control,  the technology  infrastructure
          division,  legal and the Program Office,  provides independent
          oversight of the process. The Core Team, which also reports directly
          to the Corporation's  Executive  Committee,  is charged with
          identifying key risks and ensuring necessary  management attention
          for timely resolution of project issues.

               The  Corporation's  Year 2000 Program  continues to progress.
          As of January 1, 1999, the Corporation  established a Year 2000
          Business Risk Council,  comprised of approximately 20 senior business
          leaders -- line managers,  risk managers,  and representatives of
          key staff functions -- to identify potential Year 2000 business
          risks,  coordinate  planning and readiness efforts,  refine
          contingency plans for Year 2000, and establish a Year 2000 command
          center structure and rapid response teams.

               The Corporation's Year 2000 Program is tracked against well-
          defined milestones.  The Corporation completed its inventory and
          assessment phases on schedule on September 30, 1997, identifying
          affected hardware and software, prioritizing tasks and establishing
          implementation plans. As of December 31, 1998, substantially all of
          the applications related to the cardmember services operations of
          Chase USA had been remediated. In 1999, attention will continue to be
          focused on completing the remediation of all business software
          applications, as well as ensuring that those software application
          systems that have been remediated, tested and certified are, and
          remain, Year 2000 ready.

               Since early 1999,  the  Corporation  has increased  its tracking
          and risk  management  of third party  service  providers.  In
          addition,  a major focus of 1999 hs been continued  customer and
          "street" (i.e.  industry wide) testing.  In many cases (including
          with FDR) testing has begun and testing with all such third party
          service  providers  (including  additional  testing with FDR) is
          scheduled throughout  1999.  The  Corporation  also expects to
          continue to  participate  in tests  organized by major  industry and
          governmental infrastructure  organizations  as they are  scheduled
          during the remainder of 1999.  These include tests with the VISA and
          MasterCard associations, which began in January 1999.

               At September 30, 1998, the  Corporation's  estimate for Year
          2000  remediation  costs for 1997 - 1999 was  approximately  $363
          million.  None of these costs will be borne by the Trust.

               In its normal course of business,  the  Corporation  manages
          many types of risk.  The  Corporation  recognizes  that the risks
          presented by Year 2000 are unique given the pervasive  nature of the
          problem and the higher  likelihood that Year 2000 risk may present
          itself in  multiple,  simultaneous  impacts.  Because of this,  the
          Corporation  has  adjusted  and will  continue  to adjust its risk
          management  processes  and  contingency  plans to take the  most
          probable  anticipated  effects  into  account.  In this  regard,  the
          Corporation  has begun its event  planning for the Year 2000 with the
          goal of  preventing  or  mitigating  potential  disruptions.  The
          Corporation's Year 2000 events planning includes creation of command
          centers;  performance of dress rehearsals and simulation  modeling
          for various  possible  business  and  operation  risks; establishment
          of special  rapid  response  technology  teams;  scheduling  of
          availability of key personnel; additional training and testing
          activities; and the establishment of rapid decision processes.

               The  Corporation's  expectations  for completion of its Year
          2000 remediation and testing  efforts,  the anticipated  costs to
          complete the project and the anticipated  business,  operational and
          financial  risks to the  Corporation,  Chase USA and the Trust are
          subject  to a number of  uncertainties.  Any  failures  by the VISA
          or  MasterCard  associations,  FDR or other  service  providers  to
          implement  successfully  their Year 2000  remediation  plans could
          adversely  impact the timing of collections on the  Receivables.  A
          large number of similar  failures by account  obligors,  banks and
          other financial  institutions or other  participants in the national
          payments  system could also  adversely  affect the timing of
          collections on the  Receivables.  If collections  that normally would
          have been  received in any  particular  month are  delayed,  the
          portfolio  yield for that month will be reduced to that  extent. Any
          such reduction would increase the likelihood of a pay out event
          resulting from insufficient portfolio yield.


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

          For the purposes of this Item 12.  The records of DTC
          indicate that at December 31, 1998, the 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 are as follows:

               Series              # of Holders
               ------              ------------
               1995-1                   0
               1995-2                   3
               1996-1                   8
               1996-2                   4
               1996-3                   6
               1996-4                   8


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           Management Report on Internal Control.
          
          28.3           Annual Independent Accountants' Servicing Reports
                         pursuant to Section 3.06 of the Agreement.

          28.4           Consent of Independent Accountants.

          (b)  Reports on Form 8-K


The following Current Reports on Form 8-K were filed by the registrant
during 1998:

      (1)  Current Report on Form 8-K, filed on January 30, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the January 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

      (2)  Current Report on Form 8-K, filed on February 25, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the February 16, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (3)  Current Report on Form 8-K, filed on March 24, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the March 16, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (4)  Current Report on Form 8-K, filed on April 30, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the April 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (5)  Current Report on Form 8-K, filed on May 22, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the May 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (6)  Current Report on Form 8-K, filed on June 18, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the June 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (7)  Current Report on Form 8-K, filed on July 20, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the July 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (8)  Current Report on Form 8-K, filed on August 25, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the August 17, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (9)  Current Report on Form 8-K, filed on September 21, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the September 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (10)  Current Report on Form 8-K, filed on October 23, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the October 15, 1998 distribution with respect to Series 1995-1, 1995-2,
1995-3, 1996-1, 1996-2, 1996-3 and 1996-4.

     (11)  Current Report on Form 8-K, filed on November 19, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the November 16, 1998 distribution with respect to  1995-2, 1995-3, 1996-1,
1996-2, 1996-3 and 1996-4.

     (12)  Current Report on Form 8-K, filed on December 21, 1998, reporting
Items 5 and 7, providing the Monthly Certificateholders' Statement with respect
to the December 15, 1998 distribution with respect to  1995-2, 1995-3, 1996-1,
1996-2, 1996-3 and 1996-4.

<PAGE>

                           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 29, 1999

<PAGE>

INDEX TO EXHIBITS



Exhibit Number                       Description
Page


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

    28.2                 Management Report on Internal Control.

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

    28.4                 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, 1998, 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 15th day of March, 1999.


                                          /s/ Keith Schuck
                                          ----------------------
                                          Name:  Keith Schuck
                                          Title: Vice President/Controller

<PAGE>
                                                                 Exhibit 28.2

               [CHASE MANHATTAN BANK USA, N.A. LETTERHEAD]

March 15, 1999



Management Report on Internal Control over
Servicing of Securitized Credit Card Receivables

Chase Manhattan Bank USA, N.A. is reponsible for establishing and maintaining
an effective system of internal control over servicing of securitized credit
card receivables, which is designed to provide reasonable assurance regarding
the proper servicing of securitized credit card receivables.  The system
contains self-monitoring mechanisms, and actions are taken to correct 
deficiencies as they are identified.  There are inherent limitations in the
effectiveness of any system of internal controls, including the possibility of
human error and circumvention or overriding of controls.  Accordingly, even
an effective internal control system can provide only reasonable assurance
with respect to servicing of securitized credit card receivables.  Further,
because of changes in conditions, the effectiveness of an internal control
system may vary over time.

Chase Manhattan Bank USA, N.A. management assessed its system of internal
control over servicing of securitized credit card receivables as of December
31, 1998 in relation to criteria for effective internal control described in
"Internal Control-Integrated Framework" issued by the Committee of Sponsoring
Organizations of the Treadway Commission.  Based on this assessment, management
believes that, as of December 31, 1998, Chase Manhattan Bank USA N.A.
maintained an effective system of internal control over servicing of
securitized credit card receivables.


/s/Michael J. Barrett
----------------------
Michael J. Barrett
President
Chase Manhattan Bank USA, N.A.



/s/Keith Schuck
---------------------
Keith Schuck
Vice President and Chief Financial Officer
Chase Manhattan Bank USA, N.A.

<PAGE>

                                                     Exhibit 28.3

Report of Independent Accountants


March 15, 1999

Chase Manhattan Bank USA, N.A., as Seller and Servicer, and Yusada
Bank and Trust Company, as Trustee of Chase Manhattan Credit Card
Master Trust.

We have examined management's assertion that, as of December 31,
1998, 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,
1998, 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/PRICEWATERHOUSECOOPERS LLP
                                                    
<PAGE>
                                                                   Exhibit 28.4
                                                                 
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 15, 1999 appearing as Exhibit 28.2 of this Form 10-K.


/s/PRICEWATERHOUSECOOPERS LLP



New York, New York
March 15, 1999