<PAGE>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
--------------------------------------------------------------------------------

                                    FORM 10-K

[X] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act
    of 1934
                   For the fiscal year ended December 31, 2001

[ ] Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange
    Act of 1934

                      Commission File Number: 033-99442-01

                      FIRST USA BANK, NATIONAL ASSOCIATION
             (Exact name of Registrant as specified in its charter)
          (As Servicer on behalf of Wachovia Credit Card Master Trust)

      Laws of the United States                         51-0269396
   (State or other jurisdiction of         (I.R.S. Employer Identification No.)
    incorporation or organization)

       201 North Walnut Street
        Wilmington, Delaware                              19801
(Address of principal executive offices)                (Zip Code)

       Registrant's telephone number, including area code: (302) 594-4000

           SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:
                                      None

           SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:

                              Title of each class:
Wachovia Credit Card Master Trust Class A Floating Rate Asset Backed
 Certificates, Series 1999-1
Wachovia Credit Card Master Trust Class B Floating Rate Asset Backed
 Certificates, Series 1999-1
Wachovia Credit Card Master Trust Class A Floating Rate Asset Backed
 Certificates, Series 2000-1
Wachovia Credit Card Master Trust Class B Floating Rate Asset Backed
 Certificates, Series 2000-1

Indicate by check mark whether the Registrant (1) has filed all reports 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.

Not applicable.

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

Not applicable.

Indicate the number shares outstanding of each of the Registrant's class of
common stock, as of the latest practicable date.

Not applicable.
                    DOCUMENTS INCORPORATED BY REFERENCE: None

================================================================================

<PAGE>

                                Introductory Note
                                -----------------

On July 27, 2001, First USA Bank, National Association a national banking
association organized under the laws of the United States (the "Bank"), which is
a direct wholly owned subsidiary of BANK ONE CORPORATION assumed all rights and
obligations of The First National Bank of Atlanta d/b/a/ Wachovia Bank Card
Services ("Wachovia") as Transferor and Servicer with respect to Wachovia Credit
Card Master Trust (the "Trust") under the Amended and Restated Pooling and
Servicing Agreement dated as of June 4, 1999 between Wachovia and The Bank of
New York (Delaware) as Trustee (the "Trustee"), as supplemented and amended (the
"Pooling and Servicing Agreement"), pursuant to an Assumption Agreement dated as
of July 27, 2001 by and among the Bank, Wachovia and the Trustee.

The certificates listed on page 1 hereof will be referred to collectively herein
as the "Certificates". The Certificates do no represent obligations of or
interests in the Bank.

The final payment with respect to Series 1999-2 Asset Backed Certificates issued
by the Trust was made on October 15, 2001, and therefore information with
respect to such certificates is not included in this report.

                                     PART I

ITEM 1.  BUSINESS

Not applicable.

ITEM 2.  PROPERTIES

Not applicable.

ITEM 3.  LEGAL PROCEEDINGS

There are no material pending legal proceedings with respect to the Trust,
involving the Trust, the Trustee or the Registrant. The Bank is a defendant in
various lawsuits, including lawsuits seeking class action certification in both
state and federal courts. These lawsuits challenge certain policies and
practices of the Bank's credit card business. A few of these lawsuits have been
conditionally certified as class actions. The Bank has defended itself against
claims in the past and intends to continue to do so in the future. While it is
impossible to predict the outcome of any of these lawsuits, the Bank believes
that any liability which might result from these lawsuits will not have a
material adverse effect on the Trust.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OR SECURITY HOLDERS

None.


                                       2

<PAGE>

                                     PART II

ITEM 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

The Certificates representing investors' interests in the Trust are held and
delivered in book-entry form through the facilities of the Depository Trust
Company ("DTC"), a "clearing agency" registered pursuant to the provisions of
Section 17A of the Securities Exchange Act of 1934, as amended. All outstanding
Certificates are held by Cede & Co., the nominee of DTC. The records of DTC
indicate that, at December 31, 2001, there were: (i) eleven (11) DTC
participants holding a position in the Class A Floating Rate Asset Backed
Certificates, Series 1999-1; (ii) one (1) DTC participant holding a position in
the Class B Floating Rate Asset Backed Certificates, Series 1999-1, (iii) ten
(10) DTC participants holding a position in the Class A Floating Rate Asset
Backed Certificates, Series 2000-1; and (iv) one (1) DTC participant holding a
position in the Class B Floating Rate Asset Backed Certificates, Series 2000-1.

ITEM 6.  SELECTED FINANCIAL DATA

Not applicable.

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

Not applicable.

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Not applicable.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Not applicable.

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

Not applicable.

ITEM 11. EXECUTIVE COMPENSATION

Not applicable.


                                       3

<PAGE>

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

(a)  The Certificates of each Class of each Series representing investors'
interests in the Trust are represented by one or more Certificates registered in
the name of Cede & Co., the nominee of DTC, and an investor holding an interest
in the Trust is not entitled to receive a Certificate representing such interest
except in certain limited circumstances. Accordingly, Cede & Co. is the sole
holder of record of the Certificates, which it held on behalf of brokers,
dealers, banks and other direct participants in the DTC system at December 31,
2001. At December 31, 2001, the following direct DTC participants held positions
in the Certificates representing interests in the Trust equal to or exceeding 5%
of the total principal amount of the Certificates of each Class of such Series
outstanding on that date.

<TABLE>
<CAPTION>
                                                                            Amount & Nature
                             Name and Address of Beneficial                  of Beneficial               % of
    Title of Class                      Owners                              Ownership $(000)          Ownership
    --------------                      ------                              ----------------          ---------
<S>                      <C>                                                <C>                       <C>

Class A Floating Rate    Bank of New York (The)                                 $106,000                13.68%
Asset Backed             925 Patterson Plank Road
Certificates, Series     Secaucus, NJ  07094
1999-1

                         Boston Safe Deposit and Trust Company                  $192,500                24.84%
                         c/o Mellon Bank N.A.
                         Three Mellon Bank Center
                         Room 153-3015
                         Pittsburgh, PA  15259

                         JPMorgan Chase Bank/CCSG                               $256,000                33.03%
                         One Chase Manhattan Plaza 4-B
                         New York, NY  10081

                         State Street Bank and Trust Company                    $146,020                18.84%
                         1776 Heritage Dr.
                         Global Corp. Action Unit JAB 5NW
                         No. Quincy, MA  02171


Class B  Floating Rate   JPMorgan Chase Bank/CCSG                                $53,757               100.00%
Asset Backed             One Chase Manhattan Plaza 4-B
Certificates, Series     New York, NY  10081
1999-1

Class A  Floating Rate   Bank of New York (The)                                 $111,500                17.49%
Asset Backed             925 Patterson Plank Road
Certificates, Series     Secaucus, NJ  07094
2000-1
</TABLE>


                                       4

<PAGE>

<TABLE>
<S>                      <C>                                                    <C>                   <C>
                         Boston Safe Deposit and Trust Company                   $36,810                 5.77%
                         c/o Mellon Bank N.A.
                         Three Mellon Bank Center
                         Room 153-3015
                         Pittsburgh, PA  15259

                         Citibank, N.A.                                          $49,480                 7.76%
                         3800 Citicorp Center Tampa
                         Tampa, FL  33610-9122

                         Harris Trust and Savings Bank                           $55,000                 8.63%
                         Proxy Operations
                         111 West Monroe Street
                         Chicago, IL  60603

                         State Street Bank and Trust Company                    $327,515                51.37%
                         1776 Heritage Dr.
                         Global Corp. Action Unit JAB 5NW
                         No. Quincy, MA  02171


Class B Floating  Rate   JPMorgan Chase Bank/CCSG                                $52,500               100.00%
Asset  Backed            One Chase Manhattan Plaza 4-B
Certificates, Series     New York, NY  10081
2000-1
</TABLE>

(b)  Not applicable.

(c)  None.


ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.


                                       5

<PAGE>

                                     PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON
         FORM 8-K

(a)      The following documents are filed as part of this report:

         (i)      Not applicable.
         (ii)     Not applicable.
         (iii)    Exhibits
                  99.1   Annual Servicer's Certificate
                  99.2   Annual Independent Accountants' Servicing Reports of
                         KPMG LLP on Management's Assertions

(b)      Reports on Form 8-K were filed monthly by the Trust during the period
         covered by this report.

(c)      See Item 14(a)(iii) above.

(d)      Not applicable.


                                       6

<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, on March 20, 2002.

                                       FIRST USA BANK, NATIONAL ASSOCIATION
                                                    as Servicer

                                       By:          /s/Daniel J. Frate
                                           ------------------------------------
                                               Daniel J. Frate
                                               President

         Pursuant to the requirements of the Securities Exchange Act of 1934,
this report has been signed below by the following persons on behalf of the
registrant and in the capacities indicated on March 20, 2002.

             Signature                       Title
             ---------                       -----

         /s/Philip Heasley            Director and Principal Executive Officer
-----------------------------------
          Philip Heasley

        /s/Raymond Fischer            Director, Principal Financial Officer and
-----------------------------------   Principal Accounting Officer
          Raymond Fischer

        /s/ Daniel J. Frate           Director
-----------------------------------
          Daniel J. Frate

         /s/Michael Looney            Director
-----------------------------------
          Michael Looney

        /s/M. Carter Warren           Director
-----------------------------------
         M. Carter Warren

         /s/William Garner            Director
-----------------------------------
          William Garner


                                       7

<PAGE>

                                INDEX OF EXHIBITS

Exhibit Number     Exhibit Description                                      Page
--------------     -------------------                                      ----

99.1               Annual Servicer's Certificate                               9

99.2               Annual Independent Accountants' Servicing Reports of    10-13
                   KPMG LLP on Management's Assertions

                                       8