<PAGE>

                      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)          January 16, 2001
                                                             ----------------

                      FIRST USA BANK, NATIONAL ASSOCIATION
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

      (As Servicer on behalf of CC MASTER CREDIT CARD TRUST II (FORMERLY
                   CHEVY CHASE MASTER CREDIT CARD TRUST II))



<TABLE>
<S>                             <C>                        <C>
  Laws of the United States             33-99334                 51-0269396
  -------------------------             --------                 ----------
(State or other jurisdiction    (Commission File Number)  (IRS Employer Identification
    of incorporation or                                            Number)
       organization)
</TABLE>

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.

            The following exhibits are filed as a part of this report:

            99.1   Excess Spread Analysis

            99.2   Monthly Certificateholders' Statement for Series 1995-A

            99.3   Monthly Statement to Certificateholders for Series 1995-A

            99.4   Monthly Certificateholders' Statement for Series 1995-C

            99.5   Monthly Statement to Certificateholders for Series 1995-C

            99.6   Monthly Certificateholders' Statement for Series 1996-A

            99.7   Monthly Statement to Certificateholders for Series 1996-A

            99.8   Monthly Certificateholders' Statement for Series 1996-C

            99.9   Monthly Statement to Certificateholders for Series 1996-C

            99.10  Monthly Certificateholders' Statement for Series 1998-A

            99.11  Monthly Statement to Certificateholders for Series 1998-A
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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 of the CC Master Credit Card Trust II
                         (formerly Chevy Chase Master Credit Card Trust II)


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



Date:  January 16, 2001
       ----------------
<PAGE>

                                 Exhibit Index


Exhibit No.              Description                                        Page

99.1           Excess Spread Analysis

99.2           Monthly Certificateholders' Statement for Series 1995-A

99.3           Monthly Statement to Certificateholders for Series 1995-A

99.4           Monthly Certificateholders' Statement for Series 1995-C

99.5           Monthly Statement to Certificateholders for Series 1995-C

99.6           Monthly Certificateholders' Statement for Series 1996-A

99.7           Monthly Statement to Certificateholders for Series 1996-A

99.8           Monthly Certificateholders' Statement for Series 1996-C

99.9           Monthly Statement to Certificateholders for Series 1996-C

99.10          Monthly Certificateholders' Statement for Series 1998-A

99.11          Monthly Statement to Certificateholders for Series 1998-A