<PAGE>

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

                        FOR ANNUAL AND TRANSITION REPORTS
                     PURSUANT TO SECTION 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, 2002

                                       OR

     TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
---  OF THE SECURITIES EXCHANGE ACT OF 1934.

For the transition period from       to
                               -----    ----

                        Commission file number 333-84400

                  Chase Credit Card Owner Trust 2000-3 (issuer)
           Chase Manhattan Bank USA, National Association (depositor)
             (Exact name of registrant as specified in its charter)


<TABLE>
<S>                                                   <C>
USA                                                   22-238028
(State or Other Jurisdiction of                       (IRS Employer Identification Number)
Incorporation or Organization)

White Clay Center, Building 200, Newark, DE           19711
(Address of principal executive offices)              (Zip Code)

Registrant's telephone number, including area code:   (302) 575-5000
</TABLE>

<PAGE>

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class            Name of Each Exchange of Which Registered
    NONE                                      N/A

Securities registered pursuant to Section 12(g) of the Act:

    NONE
(Title of Class)

         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 reports), and (2) has been
subject to such filing requirements for the last 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 or any amendment to this Form 10-K.  X
                                                                ---

         State the aggregate market value of the voting and non-voting common
equity held by non-affiliates of the registrants. The aggregate value shall be
computed by reference to the price at which the common equity was sold, or the
average bid and asked prices of such common equity, as of a specified date
within 60 days prior to the date of filing.

         The registrant has no voting or non-voting common equity outstanding as
         of the date of this report. The registrant is a trust that has issued
         certificates of beneficial interest in the trust assets.

                      DOCUMENTS INCORPORATED BY REFERENCE.

         List hereunder the following documents if incorporated by reference and
the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document
is incorporated: (1) any annual report to security holders; (2) any proxy or
information statement; and (3) any prospectus filed pursuant to Rule 424(b) or
(c) under the Securities Act of 1933. The listed documents should be clearly
described for identification purposes.

         None.

Introductory Note

         Chase Credit Card Owner Trust 2000-3 (the "Trust") was formed pursuant
to a Trust Agreement (the "Agreement") between Chase Manhattan Bank USA,
National Association (the "Bank"), as depositor, and an unrelated trustee (the
"Trustee"). The Trust is the issuer of three classes of publicly offered asset
backed notes (the "Notes"). The Trust files reports pursuant to Section 13 and
15(d) 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 the Chief Counsel with respect to Chase Credit Card
Master Trust (f/k/a "Chemical Master Credit Card Trust I"). Accordingly,
responses to certain Items have been omitted from or modified in this Annual
Report on Form 10-K.

<PAGE>

Part I

Item 1.  Business

         Omitted.

Item 2.  Properties

         The Trust is the holder of the Series 2000-3 Asset Backed Certificate
issued by Chase Credit Card Master Trust, which was transferred to it by the
Bank, and certain deposit accounts.

         The aggregate Investor Default Amount for the year ended December 31,
2002 was $50,236,798.00. There were no Investor Charge-offs for the same period.
As of December 31, 2000, Accounts designated for the Master Trust having an
aggregate balance of $460,023,864.00, or 1.40% of all Receivables, were
delinquent 30 - 59 days; Accounts having an aggregate balance of
$349,794,290.00, or 1.07% of all Receivables, were delinquent 60 - 89 days; and
Accounts having an aggregate balance of $662,677,561.00, or 2.02% of all
Receivables, were delinquent 90 days or more.

Item 3.  Legal Proceedings

         The registrant knows of no material pending legal proceedings with
respect to the Trust, the Trustee or the Bank.

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

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

<PAGE>

Part II

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

         The registrant has no voting stock or class of common stock outstanding
as of the date of this report. The beneficial interest in the Trust is
represented by the Series Certificate registered in name of the issuer. To the
knowledge of the registrant, the Notes are traded in the over-the-counter market
to a limited extent.

         As of December 31, 2002, all of the Notes 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 registrant further understands that
DTC has no knowledge of the actual beneficial owners of the Notes held of record
by CEDE & Co., and that DTC knows only the identity of the participants to whose
accounts such Notes are credited, who may or may not be the beneficial owners of
the Notes

         The records provided to the Trust by DTC indicate that as of
December 31, 2002, the number of holders of record for each class of Notes
issued by the Trust was as follows:

         Class                               No. of Holders
         -----                               --------------
         A                                           8
         B                                           4
         C                                           5

Item 6.  Selected Financial Data

         Omitted.

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

         Omitted.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

         Not applicable.

Item 8.  Financial Statements and Supplementary Data

         Omitted.

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

         None.

<PAGE>

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

         The records of DTC indicate that as of December 31, 2002, there were
the following holders of record with more than 5% of each class of the
Certificates and Notes:

<TABLE>
<CAPTION>
Chase Credit Card Owner Trust          Name & Address of Participant                   Original Certificate    % Class
Series 2000-3                                                                           Principal Balance

<S>                                                                                         <C>                <C>
Class A                                Boston Safe Deposit and Trust Company                $200,000,000       26.67%
                                       525 William Penn Place, Suite 3148
                                       Pittsburgh, PA  15259

                                       Deutsche Bank Trust Company Americas                 $136,000,000       18.13%
                                       648 Grassmere Park Road
                                       Nashville, TN  37211

                                       JPMorgan Chase Bank                                   $49,000,000        6.53%
                                       Proxy/Class Actions/Bankruptcy
                                       14201 Dallas Pkwy
                                       Dallas, TX  75254

                                       State Street Bank and Trust Company                  $271,210,000       36.16%
                                       1776 Heritage Dr.
                                       Global Corporate Action Unit JAB 5NW
                                       No. Quincy, MA 02171

                                       UBS AG                                                $65,000,000        8.67%
                                       677 Washington Blvd
                                       Stamford, CT  06901

Class B                                The Bank of New York                                  $20,000,000       32.00%
                                       One Wall Street
                                       New York, NY  10286

                                       JPMorgan Chase Bank                                   $32,000,000       51.20%
                                       Proxy/Class Actions/Bankruptcy
                                       14201 Dallas Pkwy
                                       Dallas, TX  75254

                                       Wells Fargo Bank Minnesota, N.A.                       $9,000,000       14.40%
                                       c/o ADP Proxy Services
                                       51 Mercedes Way
                                       Edgewood, NY 11717
</TABLE>
<PAGE>

<TABLE>
<S>                                                                                         <C>                <C>
Class C                                The Bank of New York                                  $13,000,000       16.18%
                                       One Wall Street
                                       New York, NY  10286

                                       Bank of Tokyo-Mitsubishi Trust Company                $31,357,000       39.02%
                                       Trust Operations Dept. Plaza 3
                                       Jersey City, NJ  07311-1904

                                       Citibank, N.A.                                        $18,000,000       22.40%
                                       3800 Citibank Center B3-15
                                       Tampa, FL  33610

                                       JPMorgan Chase Bank                                    $8,000,000        9.96%
                                       Proxy/Class Actions/Bankruptcy
                                       14201 Dallas Pkwy
                                       Dallas, TX  75254

                                       Sumitomo Trust & Banking Co. (U.S.A.)                 $10,000,000       12.44%
                                       527 Madison Avenue
                                       New York, NY  10022

</TABLE>

Item 13. Certain Relationships and Related Transactions

         None.

<PAGE>



Part IV

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

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

Exhibit Number:   Description:
---------------   ------------

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

99.2              Management Report on Internal Controls.

99.3              Annual Independent Accountants Report pursuant to Section 3.06
                  of the Agreement.

99.4              Certification pursuant to Section 302 of the
                  Sarbanes-Oxley Act of 2002.

         (b) Reports on Form 8-K.

         The following reports were filed on Form 8-K during the last quarter of
2002:

Date                   Items Reported            Financial Statements
----                   --------------            ---------------------
10/01/2002             5, 7                      Monthly report to Noteholders
                                                 dated 9/16/2002

10/22/2002             5, 7                      Monthly report to Noteholders
                                                 dated 10/15/2002

11/15/2002             5, 7                      Monthly report to Noteholders
                                                 dated 11/15/2002

12/17/2002             5, 7                      Monthly report to Noteholders
                                                 dated 12/16/2002

<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.


Dated: March 28, 2003


                            Chase Credit Card Owner Trust 2000-3

                            by: Chase Manhattan Bank USA, National Association,
                            as Servicer


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

<PAGE>

SUPPLEMENTAL INFORMATION TO BE FURNISHED WITH REPORTS FILED PURSUANT TO SECTION
15(d) OF THE ACT BY REGISTRANTS WHICH HAVE NOT REGISTERED SECURITIES PURSUANT TO
SECTION 12 OF THE ACT.

No annual report, proxy statement, form of proxy or other proxy soliciting
material has been sent to Noteholders during the period covered by this Annual
Report on Form 10-K and the registrant does not intend to furnish such materials
to Noteholders subsequent to the filing of this report.

<PAGE>

                                INDEX TO EXHIBITS

Exhibit Number:          Description:
---------------          ------------

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

99.2                     Management Report on Internal Controls.

99.3                     Annual Independent Accountants Report pursuant to
                         Section 3.06 of the Agreement.

99.4                     Certification pursuant to Section 302 of the
                         Sarbanes-Oxley Act of 2002.