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                                                                    EXHIBIT 99.1

                                                                       Page 1

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                        CC MASTER CREDIT CARD TRUST II
              (Formerly Chevy Chase Master Credit Card Trust II)
                                 SERIES 1995-A

       Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995,
(the "Pooling and Servicing Agreement"), among First USA Bank, NA, as Transferor
and Servicer ("First USA"), First USA, as Transferor, and Bankers Trust Company,
as trustee (the "Trustee"), First USA, as Servicer, is required to prepare
certain information each month regarding current distributions to
Certificateholders and the performance of the CC Master Credit Card Trust II
(the "Trust") during the previous month. The information which is required to be
prepared with respect to the Distribution Date of February 15, 2000, and with
respect to the performance of the Trust during the month of January, 2000 is set
forth below. Certain of the information is presented based on the aggregate
amounts for the Trust as a whole. Capitalized terms used in this Monthly
Statement have their respective meanings set forth in the Pooling and Servicing
Agreement.


       A)     Information Regarding Distributions
              to the Class A Certificateholders,
              per $1,000 original certificate
              principal amount.

              (1)   The total amount of the
              distribution to Class A
              Certificateholders, per $1,000
              original certificate principal amount          $      4.6997222

              (2)   The amount of the distribution
              set forth in paragraph 1 above in
              respect of interest on the Class A
              Certificates, per $1,000 original
              certificate principal amount                   $      4.6997222

              (3)   The amount of the distribution
              set forth in paragraph 1 above in
              respect of principal of the Class A
              Certificates, per $1,000 original
              certificate principal amount                   $      0.0000000
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       B)     Class A Investor Charge Offs and
              Reimbursement of Charge Offs

              (1)   The amount of Class A Investor
              Charge Offs                                    $      0.0000000

              (2)   The amount of Class A Investor
              Charge Offs set forth in paragraph 1
              above, per $1,000 original
              certificate principal amount                   $      0.0000000

              (3)   The total amount reimbursed in
              respect of Class A Investor Charge Offs        $      0.0000000

              (4)   The amount set forth in
              paragraph 3 above, per $1,000
              original certificate principal amount          $      0.0000000

              (5)   The amount, if any, by which
              the outstanding principal balance of
              the Class A Certificates exceeds the
              Class A Invested Amount after giving
              effect to all transactions on such
              Distribution Date                              $      0.0000000

       C)     Information Regarding Distributions
              to the Class B Certificateholders,
              per $1,000 original certificate
              principal amount.

              (1)   The total amount of the
              distribution to Class B
              Certificatedholders, per $1,000
              original certificate principal amount         $       4.7852778

              (2)   The amount of the distribution
              set forth in paragraph 1 above in
              respect of interest on the Class B
              Certificates, per $1,000 original
              cerificate principal amount                   $       4.7852778

              (3)   The amount of the distribution
              set forth in paragraph 1 above in
              respect of principal on the Class B
              Certificates, per $1,000 original
              cerificate principal amount                   $       0.0000000
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       D)     Class B Investor Charge Offs and
              Reimbursement of Charge Offs

              (1)   The amount of Class B Investor
              Charge Offs                                   $      0.0000000

              (2)   The amount of Class B Investor
              Charge Offs set forth in paragraph 1
              above, per $1,000 original
              certificate principal amount                  $      0.0000000

              (3)   The total amount reimbursed in
              respect of Class B Investor Charge Offs       $      0.0000000

              (4)   The amount set forth in paragraph
              3 above, per $1,000 original certificate
              principal amount                              $      0.0000000

              (5)   The amount, if any, by which
              the outstanding principal balance of
              the Class B Certificates exceeds the
              Class B Invested Amount after giving
              effect to all transactions on such
              Distribution Date                             $      0.0000000


                                                  First USA Bank, NA,
                                                  as Servicer


                                                  By /s/ Tracie Klein
                                                     -------------------------
                                                    Tracie H. Klein
                                                    First Vice President