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                                                                     EXHIBIT 28L



                  CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
                             First USA Bank, N.A.

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1999-X
                                April 12, 2000

Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1999-X
Supplement dated as of June 1, 1999 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the April 17, 2000 Payment Date and with respect to the
performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.

<TABLE>
<CAPTION>
<S>                                                                                     <C>
A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
   Original Principal Amount)

    1.  The total amount of the distribution to Class A Adjusted
        Certificateholders on the Payment Date per $1,000 interest.                                      $5.641

    2.  The amount of the distribution set forth in paragraph 1 above in respect
        of principal on the Class A Adjusted Certificates, per $1,000 interest                           $0.000

    3.  The amount of the distribution set forth in paragraph 1 above in respect
        of interest on the Class A Adjusted Certificates, per $1,000 interest                            $5.641

B. Information Regarding the Performance of the Trust

    1.  Collections of Receivables
    ------------------------------

    a.  The aggregate amount of Collections of Receivables processed for the Due
        Period with respect to the current Distribution Date which were allocated
        in respect of the Investor Certificates of all Series                                   $458,217,368.08

    b.  The aggregate amount of Collections of Receivables processed for the Due
        Period with respect to the current Distribution Date which were allocated
        in respect of the Series 1999-X Certificates                                             $16,326,923.52

    c.  The aggregate amount of Collections of Receivables processed for the Due
        Period with respect to the current Distribution Date which were allocated
        in respect of the Class A Certificates                                                   $14,286,058.07

    d.  The amount of Collections of Receivables processed for the Due Period
        with respect to the current Distribution Date which were allocated in
        respect of the Class A Adjusted Certificates, per $1,000 interest                               $19.048

    e.  The amount of Excess Spread for the Due Period with respect to the
        current Distribution Date                                                                 $5,782,151.44

    f.  The amount of Reallocated Principal Collections for the Due Period with
        respect to the current Distribution Date allocated in respect of the
        Class A Certificates                                                                              $0.00

    g.  The amount of Excess Finance Charge Collections allocated in respect of
        the Series 1999-X Certificates, if any                                                            $0.00

</TABLE>
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<TABLE>
<CAPTION>
                                                                                                Series 1999-X
<S>                                                                                     <C>
   h.  The amount of Excess Principal Collections allocated in respect of the
       Series 1999-X Certificates, if any                                                             $0.00

   2.  Receivables in Trust
   ------------------------

   a.  Aggregate Principal Receivables for the Due Period with respect to the
       current Distribution Date (which reflects the Principal Receivables
       represented by the Exchangeable Seller's Certificate and by the Investor
       Certificates of all Series)                                                       $14,726,951,826.41

   b.  The amount of Principal Receivables in the Trust represented by the
       Series 1999-X Certificates (the "Adjusted Invested Amount") for the Due
       Period with respect to the current Distribution Date                                 $857,142,857.00

   c.  The amount of Principal Receivables in the Trust represented by the Class
       A Certificates (the "Class A Adjusted Invested Amount") for the Due
       Period with respect to the current Distribution Date                                 $750,000,000.00

   d.  The Invested Amount for the Due Period with respect to the current
       Distribution Date                                                                    $857,142,857.00

   e.  The Class A Invested Amount for the Due Period with respect to the
       current Distribution Date                                                            $750,000,000.00

   f.  The Invested Percentage with respect to Finance Charge Receivables
       (including Interchange) and Defaulted Receivables for the Series 1999-X
       Certificates for the Due Period with respect to the current Distribution
       Date                                                                                           5.820%

   g.  The Invested Percentage with respect to Principal Receivables for the
       Series 1999-X Certificates for the Due Period with respect to the current
       Distribution Date                                                                              5.820%

   h.  The Class A Floating Percentage for the Due Period with respect to the
       current Distribution Date                                                                     87.500%

   i.  The Class A Principal Percentage for the Due Period with respect to the
       current Distribution Date                                                                     87.500%

   j.  The Collateral Floating Percentage for the Due Period with respect to the
       current Distribution Date                                                                     12.500%

   k.  The Collateral Principal Percentage for the Due Period with respect to
       the current Distribution Date                                                                 12.500%

   3.  Delinquent Balances
   -----------------------

       The aggregate amount of outstanding balances in the Accounts which were
       30 or more days delinquent as of the end of the Due Period for the
       current Distribution Date                                                            $712,162,803.66
</TABLE>
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                                                                   Series 1999-X

<TABLE>
<CAPTION>
<S>                                                                                     <C>
   4.  Investor Default Amount
   ---------------------------

   a.  The aggregate amount of all Defaulted Receivables written off as
       uncollectible during the Due Period with respect to the current
       Distribution Date allocable to the Series 1999-X Certificates (the
       "Investor Default Amount")

       1.  Investor Default  Amount                                                             $7,011,997.18
       2.  Recoveries                                                                             $384,814.78
       3.  Net Default Receivables                                                              $6,627,182.40

   b.  The Class A Investor Default Amount

       1.  Investor Default Amount                                                              $6,135,497.53
       2.  Recoveries                                                                             $336,712.93
       3.  Net Default Receivables                                                              $5,798,784.60

   c.  The Collateral Investor Default Amount

       1.  Investor Default Amount                                                                $876,499.65
       2.  Recoveries                                                                              $48,101.85
       3.  Net Default Receivables                                                                $828,397.80

   5.  Investor Charge-offs.
   ------------------------

   a.  The amount of the Class A Adjusted Investor Charge-Offs per $1,000
       interest after reimbursement of any such Class A Adjusted Investor Charge-
       Offs for the Due Period with respect to the current Distribution Date                            $0.00

   b.  The amount attributable to Class A Adjusted Investor Charge-Offs, if any,
       by which the principal balance of the Class A Adjusted Certificates
       exceeds the Class A Adjusted Invested Amount as of the end of the day on
       the Record Date with respect to the current Distribution Date                                    $0.00

   c.  The amount of the Collateral Charge-Offs,if any, for the Due Period with
       respect to the current Distribution Date                                                         $0.00

   6.  Monthly Servicing Fee
   -------------------------

   a.  The amount of the Monthly Servicing Fee payable from available funds by
       the Trust to the Servicer with respect to the current Distribution Date                    $178,571.43

   b.  The amount of the Interchange Monthly Servicing Fee payable to the
       Servicer with respect to the current Distribution Date                                     $892,857.14

   7.  Available Cash Collateral Amount
   ------------------------------------

   a.  The amount, if any, withdrawn from the Cash Collateral Account for the
       current Distribution Date (the "Withdrawal Amount")                                              $0.00

   b.  The amount available to be withdrawn from the Cash Collateral Account as
       of the end of the day on the current Distribution Date, after giving
       effect to all withdrawals, deposits and payments to be made on such
       Distribution Date (the "Available Cash Collateral Amount" for the next
       Distribution Date)                                                                       $8,571,429.00

</TABLE>
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                                                                  Series: 1999-X

<TABLE>
<CAPTION>
<S>                                                                                     <C>
   c.  The amount as computed in 7.b as a percentage of the Class A Adjusted
       Invested Amount after giving effect to all reductions thereof on the
       current Distribution Date                                                                   1.143%

   8.  Collateral Invested Amount
   ------------------------------

   a.  The Collateral Invested Amount for the current Distribution Date                  $107,142,857.00

   b.  The Collateral Invested Amount after giving effect to all withdrawals,
       deposits, and payments on the current Distribution Date                           $107,142,857.00

   9.  Total Enhancement
   ---------------------

   a.  The total Enhancement for the current Distribution Date                           $115,714,286.00

   b.  The total Enhancement after giving effect to all withdrawals, depostis
       and payments on the current Distribution Date                                     $115,714,286.00

C.  The Pool Factor
-------------------

       The Pool Factor (which represents the ratio of the Class A Adjusted
       Invested Amount on the last day of the month ending on the Record Date
       adjusted for Class A Adjusted Investor Charge-Offs set forth in B.5.a
       above and for the distributions of principal set forth in A.2 above to
       the Class A Adjusted Initial Invested Amount). The amount of a Class A
       Adjusted Certificateholder's pro rata share of the Class A Adjusted
       Invested Amount can be determined by multiplying the original
       denomination of the holder's Class A Adjusted Certificate by the Pool
       Factor                                                                               100.00000000%

D.  Principal Funding Account
-----------------------------

   1.  The Principal Funding Investment Proceeds deposited in the Collection
       Account for the current Distribution Date to be treated as Class A
       Available Funds                                                                             $0.00

   2.  The Excess Principal Funding Investment Proceeds for the current
       Distribution Date                                                                           $0.00

   3.  The Principal Funding Account Balance as of the end of the day on the
       current Distribution Date                                                                   $0.00

   4.  The Deficit Controlled Accumulation Amount for the preceding Due Period                     $0.00

E.  Reserve Account
-------------------

   1.  The Reserve Draw Amount for the current Distribution Date                                   $0.00

   2.  The amount on deposit in the Reserve Account as of the end of the day on
       the current Distribution Date (the "Available Reserve Account Amount" for
       the next Distribution Date)                                                                 $0.00
</TABLE>
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CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page





                                        First USA Bank, N.A.
                                        Servicer



                                        By:     /s/ Tracie Klein
                                           -----------------------------
                                                TRACIE KLEIN
                                        Title:  FIRST VICE PRESIDENT