<PAGE>

                                                                  EXHIBIT 99.03


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                     FIRST USA BANK, NATIONAL ASSOCIATION

               -------------------------------------------------
               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
               -------------------------------------------------

                    Monthly Period:                  11/1/00 to
                                                     11/30/00
                    Distribution Date:               12/15/00
                    Transfer Date:                   12/14/00

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,
National Association, (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 1994-6 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.

<TABLE>
<S>                                                                                                    <C>
A.   Information Regarding the Current Monthly Distribution.
     ------------------------------------------------------

     1.   The total amount of the distribution to
          Certificateholders on the Distribution Date per
          $1,000 original certificate principal amount
                                                                 Class A                                $5.81250
                                                                 Class B                                $6.00417
                                                                 CIA                                    $6.22510
                                                                                                        --------
                                                                 Total (Weighted Avg.)                  $5.86622

     2.   The amount of the distribution set forth in
          paragraph 1 above in respect of interest on
          the Certificates, per $1,000 original
          certificate principal amount
                                                                 Class A                                $5.81250
                                                                 Class B                                $6.00417
                                                                 CIA                                    $6.22510
                                                                                                        --------
                                                                 Total (Weighted Avg.)                  $5.86622

</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                      Series 1994-6
Page 2

<TABLE>
<S>                                                                                       <C>
     3.   The amount of the distribution set forth in paragraph 1
          above in respect of principal on the Certificates, per
          $1,000 original certificate principal amount
                                                                 Class A                                $0.00000
                                                                 Class B                                $0.00000
                                                                 CIA                                    $0.00000
                                                                                                        --------
                                                                 Total (Weighted Avg.)                  $0.00000

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

     1.   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                         $100,509,601.30
                                                                 Class B                         $  7,824,697.83
                                                                 CIA                             $ 12,029,015.75
                                                                                                 ---------------
                                                                 Total                           $120,363,314.88

     2.   Allocation of Finance Charge Receivables
          ----------------------------------------

          (a1)  The aggregate amount of Allocations of Finance
                Charge Receivables processed during the Monthly
                Period which were allocated in respect of the
                Certificates
                                                                 Class A                          $11,211,056.86
                                                                 Class B                          $   872,783.43
                                                                 CIA                              $ 1,341,740.94
                                                                                                  --------------
                                                                 Total                            $13,425,581.23

     3.   Principal Receivable / Investor Percentages
          -------------------------------------------

          (a)  The aggregate amount of Principal Receivables in
               the Trust as of the last day of the Monthly Period                             $36,170,476,490.56


          (b)  Invested Amount as of the last day of the preceding
               month
                                                                 Class A                         $750,000,000.00
                                                                 Class B                         $ 58,380,000.00
                                                                 CIA                             $ 89,820,000.00
                                                                                                 ---------------
                                                                 Total                           $898,200,000.00


</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                      Series 1994-6
Page 3

<TABLE>
<S>                                                                                           <C>

          (c)  The Floating Allocation Percentage: The Invested
               Amount set forth in paragraph 3(b) above as a
               percentage of the aggregate amount of Principal
               Receivables as of the Record Date set forth in
               paragraph 3(a) above
                                                                 Class A                                  2.074%
                                                                 Class B                                  0.161%
                                                                 CIA                                      0.248%
                                                                                                          ------
                                                                 Total                                    2.483%

          (d)  During the Amortization Period: The Invested Amount
               as of ______ (the last day of the Revolving Period)
                                                                 Class A                                   $0.00
                                                                 Class B                                   $0.00
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00

          (e)  The Fixed/Floating Allocation Percentage: The Invested
               Amount set forth in paragraph 3(d) above as a
               percentage of the aggregate amount of Principal
               Receivables set forth in paragraph 3(a) above
                                                                 Class A                                  0.000%
                                                                 Class B                                  0.000%
                                                                 CIA                                      0.000%
                                                                                                          ------
                                                                 Total                                    0.000%

     4.   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                                                                     $  528,176,436.37
          (b) 65 - 94 days                                                                     $  351,422,564.53
          (c) 95 - 124 days                                                                    $  280,991,856.22
          (d) 125 - 154 days                                                                   $  219,710,308.05
          (e) 155 - 184 days                                                                   $  182,086,687.32
          (f) 185 or more days                                                                 $            0.00
                                                                 Total                         $1,562,387,852.49

</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                            Series 1994-6
Page 4
<TABLE>
<S>                                                                                              <C>

     5.   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                           $3,441,833.18
                                                                 Class B                           $  267,941.43
                                                                 CIA                               $  411,837.93
                                                                                                   -------------
                                                                 Total                             $4,121,612.54

          (b)  The amount set forth in paragaraph 5(a) above in
               respect of the Monthly Investor Default Amount, per
               original $ 1,000 interest
                                                                 Class A                                   $4.59
                                                                 Class B                                   $4.59
                                                                 CIA                                       $4.59
                                                                                                           -----
                                                                 Total                                     $4.59

     6.   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
                                                                 Class A                                   $0.00
                                                                 Class B                                   $0.00
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00

          (b)  The amounts set forth in paragraph 6(a) above, per
               $1,000 original certificate principal amount (which
               will have the effect of reducing, pro rata, the
               amount of each Certificateholder's investment)
                                                                 Class A                                   $0.00
                                                                 Class B                                   $0.00
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00

</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                      Series 1994-6
Page 5

<TABLE>
<S>                                                                                       <C>
          (c)  The aggregate amount of Class A Investor Charge-
               Offs reimbursed and the reimbursement of
               reductions in the Class B Invested Amount and the
               CIA

                                                                 Class A                                   $0.00
                                                                 Class B                                   $0.00
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00

          (d)  The amounts set forth in paragraph 6(c) above, per
               $1,000 interest (which will have the effect of
               increasing, pro rata, the amount of each
               Certificateholder's investment)

                                                                 Class A                                   $0.00
                                                                 Class B                                   $0.00
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00

     7.   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                           $  937,500.00
                                                                 Class B                           $   72,975.00
                                                                 CIA                               $  112,275.00
                                                                                                   -------------
                                                                 Total                             $1,122,750.00

          (b)  The amount set forth in paragraph 7(a) above, per
               $ 1,000 interest

                                                                 Class A                             $1.25000000
                                                                 Class B                             $1.25000000
                                                                 CIA                                 $1.25000000
                                                                                                     -----------
                                                                 Total                               $1.25000000


     8.  Reallocated Principal Collections
         ----------------------------------
               The amount of Reallocated CIA
               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
                                                                 CIA                                       $0.00
                                                                                                           -----
                                                                 Total                                     $0.00



</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                            Series 1994-6
Page 6

<TABLE>
<S>                                                                                             <C>
     9.   Collateral Invested Amount
          (a)  The amount of the Collateral Invested 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                                          $89,820,000.00

          (b)  The Required CIA Invested 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                                          $89,820,000.00

     10.  The Pool Factor
          ---------------
               The Pool Factor (which represents the ratio of the amount of the Investor Interest
               on the last day of the Monthly Period, inclusive of any principal payments to be
               made on the related Distribution Date, to the amount of the Investor Interest as
               of the Closing Date).  The amount of a Certificateholder's pro rata share of the
               Investor Participation Amount can be determined by multiplying the original
               denomination of the holder's Certificate by the Pool Factor

                                                                 Class A                              1.00000000
                                                                 Class B                              1.00000000
                                                                 Total                                1.00000000

     11.  The Portfolio Yield
          -------------------
               The Portfolio Yield for the related Monthly Period                                         12.43%

     12.  The Base Rate
          -------------
               The Base Rate for the related Monthly Period                                                8.99%
</TABLE>
<PAGE>

MONTHLY CERTIFICATEHOLDER'S STATEMENT
Signature Page



                                  First USA Bank, National Association
                                  as Servicer


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