<PAGE>

                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT


                      Pursuant to Section 13 or 15(d) of
                      The Securities Exchange Act of 1934


   Date of Report (Date of earliest event reported)          October 11, 2000
                                                             ----------------

                      FIRST USA BANK, NATIONAL ASSOCIATION
               (As Successor to First National Bank of Commerce)
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

         (As Servicer on behalf of FIRST NBC CREDIT CARD MASTER TRUST)

                                 United States
                                 -------------
                 (State or other jurisdiction of incorporation)

                333-24023                             51-0269396
           -------------------                        ----------
        (Commission File Number)        (IRS Employer Identification Number)



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


            (302) 594-4117
   --------------------------------------------------
   Registrant's telephone number, including area code


                                        N/A
   --------------------------------------------------------------------------
   (Former name, former address and former fiscal year, if changed since last
   report)
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Item 7.   Financial Statements and Exhibits

          (c)  Exhibits.


       Exhibit No.      Document Description
       -----------      --------------------

         (20.1)            Monthly Servicer's Certificate, Series 1997-1

         (20.2)            Monthly Holders' Statement, Series 1997-1
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                                   SIGNATURE



     Pursuant to the requirements 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.


                         First USA Bank, National Association, as Servicer, on
                         behalf of FIRST NBC CREDIT CARD MASTER TRUST,


                                   /s/ Tracie H. Klein
                         By:    ___________________________
                         Name:  Tracie H. Klein
                         Title: First Vice President



Date:  October 16, 2000
       ----------------
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                               INDEX TO EXHIBITS

<TABLE>
<CAPTION>
  Exhibit No.    Document Description                                 Sequential Page No.
  -----------    --------------------                                 -------------------
  <S>            <C>                                                  <C>
     20.1        Monthly Servicer's Certificate, Series 1997-1                5

     20.2        Monthly Holders' Statement, Series 1997-1                   10
</TABLE>