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                                                                     EXHIBIT 28C



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


                         FIRST CHICAGO MASTER TRUST II
                                 Series 1995-O
                                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 1995-O
Supplement dated as of June 1, 1995 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.

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<S> <C>                                                                                     <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 Certificateholders
         on the Payment Date per $1,000 interest.                                                   $5.714

     2.  The amount of the distribution set forth in paragraph 1 above
         in respect of principal on the Class A 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 Certificates, per $1,000 interest                       $5.714

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 1995-O Certificates                        $10,884,615.68

     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                                    $9,524,038.71

     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 Certificates, per $1,000 interest                                  $19.048

     e.  The amount of Excess Spread for the Due Period with respect to the current
         Distribution Date                                                                   $3,818,100.95

     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 1995-O Certificates, if any                                                          $0.00

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                                                                  Series 1995-O

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<S>     <C>                                                                                                  <C>

     h.  The amount of Excess Principal Collections allocated in respect of the
         Series 1995-O 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 1995-O Certificates (the "Invested Amount") for the Due Period
         with respect to the current Distribution Date                                                $571,428,572.00

     c.  The amount of Principal Receivables in the Trust represented by the
         Class A Certificates (the "Class A Invested Amount") for the Due Period
         with respect to the current Distribution Date                                                $500,000,000.00

     d.  The Invested Percentage with respect to Finance Charge Receivables
         (including Interchange) and Defaulted Receivables for the Series 1995-O
         Certificates for the Due Period with respect to the current
         Distribution Date                                                                                      3.880%

     e.  The Invested Percentage with respect to Principal Receivables for the
         Series 1995-O Certificates for the Due Period with respect to the
         current Distribution Date                                                                              3.880%

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

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

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

     i.  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

     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 1995-O Certificates (the
         "Investor Default Amount")

         1.  Investor Default Amount                                                                    $4,674,664.79
         2.  Recoveries                                                                                   $256,543.19
         3.  Net Default Receivables                                                                    $4,418,121.60


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                                                                  Series 1995-O
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<S>      <C>                                                                                               <C>

     b.  The Class A Investor Default Amount

         1.  Investor Default Amount                                                                          $4,090,331.69
         2.  Recoveries                                                                                         $224,475.29
         3.  Net Default Receivables                                                                          $3,865,856.40

     c.  The Collateral Investor Default Amount

         1.  Investor Default Amount                                                                            $584,333.10
         2.  Recoveries                                                                                          $32,067.90
         3.  Net Default Receivables                                                                            $552,265.20

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

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

     b.  The amount attributable to Class A Investor Charge-Offs, if any, by
         which the principal balance of the Class A Certificates exceeds the
         Class A 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                                $119,047.62

     b.  The amount of the Interchange Monthly Servicing Fee payable to the
         Servicer with respect to the current Distribution Date                                                 $595,238.10

     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)                                                                                   $5,714,286.00

     c.  The amount as computed in 7.b as a percentage of the Class A 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                                    $71,428,572.00

     b.  The Collateral Invested Amount after giving effect to all withdrawals,
         deposits, and payments on the current Distribution Date                                             $71,428,572.00

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<TABLE>
<S>      <C>                                                                                               <C>

                                                                                                        Series 1995-O
     9.  Total Enhancement
     ---------------------

     a.  The total Enhancement for the current Distribution Date                                          $77,142,858.00

     b.  The total Enhancement after giving effect to all withdrawals, depostis
         and payments on the current Distribution Date                                                    $77,142,858.00

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

         The Pool Factor (which represents the ratio of the Class A Invested
         Amount on the last day of the month ending on the Record Date adjusted
         for Class A 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
         Initial Invested Amount). The amount of a Class A Certificateholder's
         pro rata share of the Class A Invested Amount can be determined by
         multiplying the original denomination of the holder's Class A
         Certificate by the Pool Factor                                                                     100.00000000%

D. Deficit Controlled Amortization Amount
-----------------------------------------

     1.  The Deficit Controlled Amortization Amount for the preceding Due Period                                   $0.00

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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