Independent Accountants' Report on Applying Agreed-Upon Procedures



To Household Finance Corporation:

We have performed procedures enumerated below in items A. and B. in
conjunction with Section 3.06 of the Pooling and Servicing Agreement,
dated August 1, 1993, as amended and supplemented (the "Agreement").

A.  We have audited, in accordance with generally accepted auditing
  standards, the consolidated financial statements of Household
  Finance Corporation (the "Servicer") and subsidiaries as of December
  31, 1998, and have issued our report thereon dated January 20, 1999.
  We have not audited any financial statements of the Servicer as of
  any date or for any period subsequent to December 31, 1998, or
  performed any audit procedures subsequent to the date of our report
  on those statements.

       In connection with our audit, nothing came to our attention that
  caused us to believe that the Servicer was not in compliance with
  any of the terms, covenants, provisions, or conditions in Sections
  3.01, 3.02, 3.04, 3.09, 3.10, 4.02, 4.03, 4.04, and 8.08 (to the
  extent such sections are applicable to Household Finance Corporation
  as Servicer) of the Agreement, or Sections 3, 4.08, 4.09, 4.10,
  4.11, 4.12, 4.13, 4.14, 4.15, 4.16, and 4.17 (to the extent such
  sections are applicable to Household Finance Corporation as
  Servicer) of the Series 1993-1, Series 1993-2, Series 1994-1, Series
  1995-1, Series 1996-A, Series 1996-B, Series 1997-A, Series 1997-B,
  Series 1997-1, Series 1998-A, and Series 1998-1 Supplements, in
  conjunction with the servicing of consumer revolving credit card
  receivables owned by the Household Affinity Credit Card Master Trust
  I insofar as they relate to accounting matters.  It should be noted,
  however, that our audit was not directed primarily toward obtaining
  knowledge of such noncompliance.

       As a part of our audit, we obtained an understanding of the
  Servicer's internal control structure over the Servicer's entire
  consumer revolving credit card portfolio, including those loans
  serviced under the Agreement, and the related Supplements, to the
  extent considered necessary in order to assess control risk as
  required by generally accepted auditing standards.  The purpose of
  our consideration of the internal control structure, which includes
  the accounting systems, was to determine the nature, timing, and
  extent of the auditing procedures necessary for expressing an
  opinion on the financial statements. Such audit procedures, however,
  were not performed in order to express a separate opinion on the
  Household Affinity Credit Card Master Trust I.

       Our audit disclosed no exceptions or errors in records relating
  to credit card receivables serviced by the Servicer that, in our
  opinion, Section 3.06 of the Agreement required us to report.

B.   We have performed the procedure described in the following
  paragraph, which was agreed to by the management of the Servicer,
  the Bank of New York as Trustee, and the Credit Enhancement Provider
  (together, the "Specified Users"), with respect to Section 3.06 of
  the Agreement, in conjunction with the servicing of consumer
  revolving credit card receivables owned by the Household Affinity
  Credit Card Master Trust I.  This agreed-upon procedure was
  performed in accordance with standards established by the American
  Institute of Certified Public Accountants.  The sufficiency of the
  procedure is solely the responsibility of the Specified Users of the
  report.  Consequently, we make no representation regarding the
  sufficiency of the procedure described below either for the purpose
  for which this report has been requested or for any other purpose.

       The procedure and associated findings are as follows:

       From the Monthly Servicer's Certificates prepared by the
  Servicer between January, 1998 and December, 1998, we selected the
  following months and performed the following procedure:

         We compared the mathematical calculation of each amount set
     forth in the Monthly Servicer's Certificates to the Servicer's
     accounting records for the month of November, 1998, for Series
     1993-1, Series 1993-2, Series 1994-1, Series 1995-1, Series 1996-
     A, Series 1996-B, Series 1997-1, Series 1997-A, Series 1998-1,
     Series 1998-A, and for month of September, 1998, for Series 1997-B
     and found them to be in agreement.  Our comparisons were based on
     records provided to us by the Servicer and the methodology set
     forth in the Agreement.

With respect to the procedure performed in item B. above, we were not
engaged to, and did not, perform an audit, the objective of which would
be the expression of an opinion on the Monthly  Servicer's Certificates
described above.  Accordingly, we do not express such an opinion.  Had
we been engaged to perform additional procedures, other matters might
have come to our attention that would have been reported to you.

This report is intended solely for the information and use of the
Specified Users and should not be used for any other purpose.

                                        
                                        ARTHUR ANDERSEN LLP

Chicago, Illinois
March 24, 1999