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                                                                   EXHIBIT 99.10

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                      MONTHLY STATEMENT TO CERTIFICATEHOLDERS
                               SERIES 1998-A
                        CC MASTER CREDIT CARD TRUST II
              (Formerly Chevy Chase Master Credit Card Trust II)

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RECEIVABLES

Beginning of the Month Principal Receivables:                         $   3,082,917,047.88
Beginning of the Month Finance Charge Receivables:                    $     149,202,144.54
Beginning of the Month Discounted Receivables:                        $               0.00
Beginning of the Month Total Receivables:                             $   3,232,119,192.42


Removed Principal Receivables:                                        $               0.00
Removed Finance Charge Receivables:                                   $               0.00
Removed Total Receivables:                                            $               0.00


Additional Principal Receivables:                                     $               0.00
Additional Finance Charge Receivables:                                $               0.00
Additional Total Receivables:                                         $               0.00


Discounted Receivables Generated this Period:                         $               0.00


End of the Month Principal Receivables:                               $   3,036,593,343.96
End of the Month Finance Charge Receivables:                          $     145,670,192.00
End of the Month Discounted Receivables:                              $               0.00
End of the Month Total Receivables:                                   $   3,182,263,535.96


Special Funding Account Balance                                       $               0.00
Aggregate Invested Amount (all Master Trust II Series)                $   2,300,000,000.00
End of the Month Transferor Amount                                    $     736,593,343.96
End of the Month Transferor Percentage                                              24.26%

DELINQUENCIES AND LOSSES

End of the Month Delinquencies:
                                                                           RECEIVABLES

       30-59 Days Delinquent                                          $      65,330,687.81
       60-89 Days Delinquent                                          $      44,342,751.49
       90+ Days Delinquent                                            $      89,079,888.59
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<S>                                                             <C>

       Total 30+ Days Delinquent                                 $     198,753,327.89
       Delinquent Percentage                                                    6.25%

Defaulted Accounts During the Month                              $      18,281,021.35
Annualized Default Percentage                                                   7.12%

Principal Collections                                                  420,652,403.18
Principal Payment Rate                                                         13.64%

Total Payment Rate                                                             14.62%


INVESTED AMOUNTS

       Class A Initial Invested Amount                           $     370,500,000.00
       Class B Initial Invested Amount                           $      57,000,000.00
       Class C Initial Invested Amount                           $      47,500,000.00

INITIAL INVESTED AMOUNT                                          $     475,000,000.00

       Class A Invested Amount                                   $     468,000,000.00
       Class B Invested Amount                                   $      72,000,000.00
       Class C Invested Amount                                   $      60,000,000.00

INVESTED AMOUNT                                                  $     600,000,000.00

       Class A Adjusted Invested Amount                          $     468,000,000.00
       Class B Adjusted Invested Amount                          $      72,000,000.00
       Class C Adjusted Invested Amount                          $      60,000,000.00

ADJUSTED INVESTED AMOUNT                                         $     600,000,000.00

PREFUNDED AMOUNT                                                 $               0.00

FLOATING ALLOCATION PERCENTAGE                                                 19.46%
PRINCIPAL ALLOCATION PERCENTAGE                                                19.46%

       Class A Principal Allocation Percentage                                 78.00%
       Class B Principal Allocation Percentage                                 12.00%
       Class C Principal Allocation Percentage                                 10.00%

COLLECTIONS OF PRINCIPAL RECEIVABLES
DURING THE MONTHLY PERIOD
ALLOCATED TO SERIES 1998-A                                              81,867,791.36
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<S>                                                               <C>
COLLECTIONS OF FINANCE CHARGE RECEIVABLES
DURING THE MONTHLY PERIOD
ALLOCATED TO SERIES 1998-A                                               10,099,328.21

MONTHLY SERVICING FEE                                             $         750,000.00

INVESTOR DEFAULT AMOUNT                                           $       3,557,870.66


CLASS A AVAILABLE FUNDS--


CLASS A FLOATING ALLOCATION PERCENTAGE                                          78.00%

       Class A Finance Charge Collections                         $       8,462,476.01
       Other Amounts                                              $               0.00

TOTAL CLASS A AVAILABLE FUNDS                                     $       8,462,476.01


       Class A Monthly Interest                                   $       2,727,806.25
       Class A Servicing Fee                                      $         585,000.00
       Class A Investor Default Amount                            $       2,775,139.11

TOTAL CLASS A EXCESS SPREAD                                       $       2,374,530.65


CLASS A REQUIRED AMOUNT                                           $               0.00


CLASS B AVAILABLE FUNDS


CLASS B FLOATING ALLOCATION PERCENTAGE                                          12.00%

       Class B Finance Charge Collections                         $       1,301,919.39
       Other Amounts                                              $               0.00

TOTAL CLASS B AVAILABLE FUNDS                                     $       1,301,919.39

       Class B Monthly Interest                                   $         435,162.50
       Class B Servicing Fee                                      $          90,000.00

TOTAL CLASS B EXCESS SPREAD                                       $         776,756.89
CLASS B INVESTOR DEFAULT AMOUNT                                             426,944.48
CLASS B REQUIRED AMOUNT                                                     426,944.48
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<S>                                                                      <C>

CLASS C FLOATING ALLOCATION PERCENTAGE                                              10.00%

CLASS C MONTHLY SERVICING FEE                                                    75,000.00

EXCESS SPREAD --


TOTAL EXCESS SPREAD                                                      $    4,161,220.35


       Excess Spread Applied to Class A Required Amount                  $            0.00

       Excess Spread Applied to Class A Investor
       Charge Offs                                                       $            0.00

       Excess Spread Applied to Class B
       Required Amount                                                   $      426,944.48

       Excess Spread Applied to Reductions of
       Class B Invested Amount                                           $            0.00

       Excess Spread Applied to Class C Required Amount                  $      749,422.49

       Excess Spread Applied to Reductions of
       Class C Invested Amount                                           $            0.00

       Excess Spread Applied to Monthly Cash
       Collateral Fee                                                    $      125,000.00

       Excess Spread Applied to Cash Collateral
       Account                                                           $            0.00

       Excess Spread Applied to Spread Account                           $            0.00

       Excess Spread Applied to Reserve Account                          $            0.00

       Excess Spread Applied to other amounts owed to
       Cash Collateral Depositor                                         $            0.00

       Excess Spread Applied to other amounts owed to
       Spread Account Residual Interest Holders                          $            0.00

TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR
GROUP I                                                                  $    2,859,853.38
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EXCESS FINANCE CHARGES COLLECTIONS -- GROUP I --

TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL
SERIES IN GROUP I                                                            $   11,110,861.40


SERIES 1998-A EXCESS FINANCE CHARGE COLLECTIONS --

EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO                               $            0.00
SERIES 1998-A

       Excess Finance Charge Collections Applied to
       Class A Required Amount                                               $            0.00

       Excess Finance Charge Collections Applied to
       Class A Investor Charge Offs                                          $            0.00

       Excess Finance Charge Collections Applied to
       Class B Required Amount                                               $            0.00

       Excess Finance Charge Collections Applied to
       Reductions of Class B Invested Amount                                 $            0.00

       Excess Finance Charge Collections Applied to
       Class C Required Amount                                               $            0.00

       Excess Finance Charge Collections Applied to
       Reductions of Class C Invested Amount                                 $            0.00

       Excess Finance Charge Collections Applied to
       Monthly Cash Collateral Fee                                           $            0.00

       Excess Finance Charge Collections Applied to
       other amounts owed Cash Collateral Depositor                          $            0.00

       Excess Finance Charge Collections Applied to
       other amounts owed to Spread Account Residual Interest
       Holders                                                               $            0.00
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YIELD AND BASE RATE --

       Base Rate (Current Month)                                                    8.88%
       Base Rate (Prior Month)                                                      8.89%
       Base Rate (Two Months Ago)                                                   8.92%

THREE MONTH AVERAGE BASE RATE                                                       8.90%

       Portfolio Yield (Current Month)                                             14.58%
       Portfolio Yield (Prior Month)                                               12.45%
       Portfolio Yield (Two Months Ago)                                            12.69%

THREE MONTH AVERAGE PORTFOLIO YIELD                                                13.24%


PRINCIPAL COLLECTIONS --

TOTAL PRINCIPAL COLLECTIONS                                             $   81,867,791.36

INVESTOR DEFAULT AMOUNT                                                 $    3,557,870.66

REALLOCATED PRINCIPAL COLLECTIONS

                        Allocable to Class C Interests                  $            0.00

                        Allocable to Class B Certificates               $            0.00

SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER                       $            0.00
SERIES

CLASS A SCHEDULED ACCUMULATION --

       Controlled Accumulation Amount                                   $            0.00
       Deficit Controlled Accumulation Amount                           $            0.00

CONTROLLED DEPOSIT AMOUNT                                               $            0.00

CLASS B SCHEDULED ACCUMULATION --

       Controlled Accumulation Amount                                   $            0.00
       Deficit Controlled Accumulation Amount                           $            0.00

CONTROLLED DEPOSIT AMOUNT                                               $            0.00

EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL                     $   85,425,662.02
SHARING
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INVESTOR CHARGE OFFS --


CLASS A INVESTOR CHARGE OFFS                                 $            0.00

CLASS B INVESTOR CHARGE OFFS                                 $            0.00

CLASS C INVESTOR CHARGE OFFS                                 $            0.00


PREVIOUS CLASS A CHARGE OFFS REIMBURSED                      $            0.00
PREVIOUS CLASS B REDUCTIONS REIMBURSED                       $            0.00
PREVIOUS CLASS C REDUCTIONS REIMBURSED                       $            0.00

CASH COLLATERAL ACCOUNT --


       Required Cash Collateral Amount                       $   18,000,000.00
       Available Cash Collateral Amount                      $   18,000,000.00



TOTAL DRAW AMOUNT                                            $            0.00
CASH COLLATERAL ACCOUNT SURPLUS                              $            0.00
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                                         First USA Bank, National Association
                                         as Servicer

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