<PAGE>

                                                                   EXHIBIT 99.23


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                             First USA Bank, N.A.

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-3

                -----------------------------------------------

            Monthly Period:                  01/01/2000 to 01/31/2000
            Distribution Date:               02/18/2000
            Transfer Date:                   02/17/2000


Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1998-3 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.

1.  Information Regarding the Current Monthly Distribution.
    -------------------------------------------------------

    A.  The total amount of the distribution to
        Certificateholders on the Distribution Date per
        $1,000 original certificate principal amount

                              Class A                                  $5.02997
                              Class B                                  $5.16774
                              Excess Collateral Amt.                   $5.33997


    B.  The amount of the distribution in respect
        of interest on the Certificates, per $1,000
        original certificate principal amount.

                              Class A                                  $5.02997
                              Class B                                  $5.16774
                              Excess Collateral Amt.                   $5.33997

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1998-3
Page 2

    C.  The amount of the distribution in respect of
        principal on the Certificates, per $1,000
        original certificate principal amount

                              Class A                                  $0.00000
                              Class B                                  $0.00000
                              Excess Collateral Amt.                   $0.00000


2.  Information Regarding the Performance of the Trust.
    ---------------------------------------------------

    A.  Allocation of Principal Receivables.
        ------------------------------------

        The aggregate amount of Allocations of Principal
        Receivables processed during the Monthly Period
        which were allocated in respect of the Certificates

                              Class A                           $118,708,985.92
                              Class B                            $10,717,385.76
                              Excess Collateral Amt.             $13,568,838.58
                                                          ----------------------
                              Total                             $142,995,210.26
                                                          ======================

    B.  Allocation of Finance Charge Receivables.
        -----------------------------------------

        (a)   The aggregate amount of Allocations of
              Finance Charge Receivables processed during
              the Monthly Period which were allocated in
              respect of the Certificates

                              Class A                            $11,802,143.13
                              Class B                             $1,066,456.41
                              Excess Collateral Amt.              $1,350,858.55
                                                          ----------------------
                              Total                              $14,219,458.08
                                                          ======================

        (b)   Principal Funding Investment Proceeds
              (to Class A)                                                  N/A
        (c)   Withdrawals from Reserve Account
              (to Class A)                                                  N/A
                                                          ----------------------
                  Class A Available Funds                        $11,802,143.13
                                                          ======================

        (d)   Principal Funding Investment Proceeds
              (to Class B)                                                  N/A
        (e)   Withdrawals from Reserve Account
              (to Class B)                                                  N/A
                                                          ----------------------
                  Class B Available Funds                         $1,066,456.41
                                                          ======================

        (f)   Prin. Funding Investment Proceeds
              (to Excess Collateral)                                        N/A
        (g)   Withdrawals from Reserve Account
              (to Excess Collateral)                                        N/A
                                                          ----------------------
                  Excess Collateral Available Funds               $1,350,858.55
                                                          ======================

        (h)   Total Principal Funding Investment Proceeds                  0.00
        (i)   Earnings on Reserve Account deposits                         0.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1998-3
Page 3

    C.  Principal Receivables/Investor Percentages.
        -------------------------------------------

        (a)   The aggregate amount of Principal
              Receivables in the Trust as of the last day
              of the Monthly Period                          $37,057,991,590.07

        (b)   Invested Amount as of the last day of the
              preceding month (Adjusted Class A Invested
              Amount during Accumulation Period)

                              Class A                           $800,000,000.00
                              Class B                            $72,289,000.00
                              Excess Collateral Amt.             $91,567,000.00
                                                          ----------------------
                              Total                             $963,856,000.00
                                                          ======================

        (c)   The Floating Allocation Percentage: The
              Invested Amount set forth in paragraph
              2.C.(b) above as a percentage of the
              aggregate amount of Principal Receivables
              as of the Record Date set forth in
              paragraph 2.C.(a) above

                              Class A                                    2.159%
                              Class B                                    0.195%
                              Excess Collateral Amt.                     0.247%
                                                          ----------------------
                              Total                                      2.601%

        (d)   During the Amortization Period: The Invested
              Amount as of _______ (the last day of the
              Revolving Period)

                              Class A                                       N/A
                              Class B                                       N/A
                              Excess Collateral Amt.                        N/A
                                                          ----------------------
                              Total                                         N/A

        (e)   The Fixed/Floating Allocation Percentage:
              The Invested Amount set forth in paragraph
              2.C.(d) above as a percentage of the
              aggregate amount of Principal Receivables
              set forth in paragraph 2.C.(a) above

                              Class A                                       N/A
                              Class B                                       N/A
                              Excess Collateral Amt.                        N/A
                                                          ----------------------
                              Total                                         N/A


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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1998-3
Page 4


    D.  Delinquent Balances.
        --------------------

        The aggregate amount of outstanding balances
        in the Accounts which were delinquent as of
        the end of the day on the last day of the
        Monthly Period

        (a)   35 - 64 days                                      $477,756,763.75
        (b)   65 - 94 days                                      $329,483,718.88
        (c)   95 - 124 days                                     $295,233,672.16
        (d)   125 - 154 days                                    $247,348,256.90
        (e)   155 or more days                                  $219,276,208.33
                                                          ----------------------
                              Total                           $1,569,098,620.02
                                                          ======================

    E.  Monthly Investor Default Amount.
        --------------------------------

        (a)   The aggregate amount of all defaulted
              Principal Receivables written off as
              uncollectible during the Monthly Period
              allocable to the Invested Amount (the
              aggregate "Investor Default Amount")

                              Class A                             $3,479,486.67
                              Class B                                314,410.76
                              Excess Collateral Amt.                 398,257.69
                                                          ----------------------
                              Total                               $4,192,155.13
                                                          ======================

    F.  Investor Charge-Offs & Reimbursements of Charge-Offs.
        -----------------------------------------------------

        (a)   The aggregate amount of Class A Investor
              Charge-Offs and the reductions in the
              Class B Invested Amount and the CIA
              Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Excess Collateral Amt.                       0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

        (b)   The aggregate amount of Class A Investor
              Charge-Offs reimbursed and the reimbursement
              of reductions in the Class B Invested Amount
              and the Excess Collateral Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Excess Collateral Amt.                       0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1998-3
Page 5

    G.  Investor Servicing Fee.
        -----------------------

        (a)   The amount of the Investor Monthly
              Servicing Fee payable by the Trust to
              the Servicer for the Monthly Period

                              Class A                             $1,000,000.00
                              Class B                                $90,361.25
                              Excess Collateral Amt.                $114,458.75
                                                          ----------------------
                              Total                               $1,204,820.00
                                                          ======================

    H.  Reallocated Principal Collections.
        ----------------------------------

        The amount of Reallocated Excess Collateral
        and Class B Principal Collections applied in
        respect of Interest Shortfalls, Investor
        Default Amounts or Investor Charge-Offs for
        the prior month

                              Class B                                     $0.00
                              Excess Collateral Amt.                       0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

    I.  Excess Collateral Amount.
        -------------------------

        (a)   The amount of the Excess Collateral Amount
              as of the close of business on the related
              Distribution Date after giving effect to
              withdrawals, deposits and payments to be
              made in respect of the preceding month             $91,567,000.00


    J.  The Portfolio Yield.
        --------------------

        The Portfolio Yield for the related Monthly
        Period                                                           12.48%

    K.  The Base Rate.
        --------------

        The Base Rate for the related Monthly Period                      7.89%

3.  Information Regarding the Principal Funding Account.
    ----------------------------------------------------

    A.  Accumulation Period.
        --------------------

        (a)   Accumulation Period Commencement Date                    04/30/01

        (b)   Accumulation Period length (months)                             1

        (c)   Accumulation Period Factor                                   8.00

        (d)   Required Accumulation Factor Number                             8

        (e)   Controlled Accumulation Amount                    $963,856,000.00

        (f)   Minimum Payment Rate (last 12 months)                      14.06%

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1998-3
Page 6


    B.  Principal Funding Account.
        --------------------------

    Beginning Balance                                                     $0.00
        Plus: Principal Collections for Related Monthly
              Period from Principal Account                                0.00
        Plus: Interest on Principal Funding Account Balance
              for Related Monthly Period                                    N/A
        Less: Withdrawals to Finance Charge Account                         N/A
        Less: Withdrawals to Distribution Account                          0.00
                                                          ----------------------
    Ending Balance                                                        $0.00


    C.  Accumulation Shortfall.
        -----------------------

        The Controlled Deposit Amount for the
        previous Monthly Period                                             N/A

        Less: The amount deposited into the Principal
              Funding Account for the Previous
              Monthly Period                                                N/A
                                                          ----------------------
              Accumulation Shortfall                                        N/A
                                                          ======================
              Aggregate Accumulation Shortfalls                             N/A
                                                          ======================
    D.  Principal Funding Investment Shortfall.
        ---------------------------------------

              Covered Amount                                                N/A

        Less: Principal Funding Investment Proceeds                         N/A
                                                          ----------------------
              Principal Funding Investment Shortfall                        N/A

4.  Information Regarding the Reserve Account.
    ------------------------------------------

    A.  Required Reserve Account Analysis

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other
              amount designated by Transferor)                           $0.00

        (b)   Required Reserve Account Amount ($)                        $0.00

        (c)   Required Reserve Account Balance after
              effect of any transfers on the Related
              Transfer Date                                              $0.00

        (d)   Reserve Draw Amount transferred to the
              Finance Charge Account on the Related
              Transfer Date                                              $0.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                             Series 1998-3
Page 7


    B.  Reserve Account Investment Proceeds.
        ------------------------------------

        Reserve Account Investment Proceeds transferred
        to the Finance Charge Account on the Related
        Transfer Date                                                      N/A

    C.  Withdrawals from the Reserve Account.
        -------------------------------------

        Total Withdrawals from the Reserve Account
        transferred to the Finance Charge Account on the
        Related Transfer Date (4.A.(d) plus 4.B. above)                    N/A

    D.  The Portfolio Adjusted Yield.
        -----------------------------

        The Portfolio Adjusted Yield for the related
        Monthly Period                                                    4.65%

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MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                                 First USA Bank, N.A.
                                 as Servicer


                                 By: /s/ Tracie Klein
                                     -------------------------------------
                                     Tracie Klein
                                     First Vice President