<PAGE>

                                                                   EXHIBIT 99.02

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                     FIRST USA BANK, NATIONAL ASSOCIATION


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

                 Monthly Period:                5/1/00 to
                                                5/31/00
                 Distribution Date:             6/15/00
                 Transfer Date:                 6/14/00

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.

A.   Information Regarding the Current Monthly Distribution.
     -------------------------------------------------------

<TABLE>
     <S>                                                                             <C>
     1.   The total amount of the distribution to
          Certificateholders on the Distribution Date per
          $1,000 original certificate principal amount
                                                     Class A                         $5.89861
                                                     Class B                         $6.09667
                                                     CIA                             $6.35069
                                                                                -------------
                                                       Total (Weighted Avg.)         $5.95669

     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                         $5.89861
                                                     Class B                         $6.09667
                                                     CIA                             $6.35069
                                                                                -------------
                                                       Total (Weighted Avg.)         $5.95669
</TABLE>
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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                             $105,971,981.42
                                                     Class B                             $  8,229,847.10
                                                     CIA                                 $ 12,700,381.27
                                                                                      ------------------
                                                     Total                               $126,902,209.79

     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                              $11,153,196.99
                                                     Class B                              $   866,163.90
                                                     CIA                                  $ 1,336,672.70
                                                                                      ------------------
                                                     Total                                $13,356,033.59

     3.   Principal Receivable / Investor Percentages
          -------------------------------------------
          (a)  The aggregate amount of Principal Receivables in
               the Trust as of the last day of the Monthly Period                     $36,124,641,027.99

          (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>
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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-6
Page 3


     (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                       2.076%
                                            Class B                       0.162%
                                            CIA                           0.249%
                                                                          ------
                                            Total                         2.487%

     (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                                       $  428,403,170.53
     (b)   65 -  94 days                                       $  277,772,886.82
     (c)   95 - 124 days                                       $  231,052,772.40
     (d)  125 - 154 days                                       $  196,167,513.76
     (e)  155 - 184 days                                       $  164,129,162.83
     (f)  185 or more days                                     $            0.00
                                                                            ----
                                            Total              $1,297,525,506.34
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-6
Page 4


     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                $5,032,865.80
                                            Class B                $  390,855.35
                                            CIA                    $  603,171.83
                                                                   -------------
                                            Total                  $6,026,892.98

         (b)   The amount set forth in paragraph 5(a) above in
               respect of the Monthly Investor Default Amount, per
               original $ 1,000 interest
                                            Class A                        $6.71
                                            Class B                        $6.70
                                            CIA                            $6.72
                                                                           -----
                                            Total                          $6.71

     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
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-6
Page 5


          (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
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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1994-6
Page 6

<TABLE>

    <S>   <C>                                                                <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
</TABLE>

     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             9.79%

     12.  The Base Rate
          -------------

            The Base Rate for the related Monthly Period                   8.87%
<PAGE>

MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page

                                   First USA Bank, National Association
                                   as Servicer


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