<PAGE>

                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT


                      Pursuant to Section 13 or 15(d) of
                      The Securities Exchange Act of 1934


  Date of Report (Date of earliest event reported)          February 15, 2001
                                                            -----------------

                     FIRST USA BANK, NATIONAL ASSOCIATION
--------------------------------------------------------------------------------
            (Exact name of registrant as specified in its charter)

      (As Servicer on behalf of CC MASTER CREDIT CARD TRUST II (FORMERLY
                   CHEVY CHASE MASTER CREDIT CARD TRUST II))

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

   Laws of the United States                33-99334                        51-0269396
   -------------------------                --------                        ----------
  (State or other jurisdiction       (Commission File Number)       (IRS Employer Identification
of incorporation or organization)                                             Number)
 organization)

</TABLE>

201 North Walnut Street, Wilmington, Delaware                         19801
--------------------------------------------------------------------------------
(Address of principal executive offices)                            (Zip Code)


                302/594-4117
--------------------------------------------------
Registrant's telephone number, including area code


                              N/A
--------------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report)
<PAGE>

Item 7.   Financial Statements and Exhibits

     (c)  Exhibits.

          The following exhibits are filed as a part of this report:

          99.1   Excess Spread Analysis

          99.2   Monthly Certificateholders' Statement for Series 1995-A

          99.3   Monthly Statement to Certificateholders for Series 1995-A

          99.4   Monthly Certificateholders' Statement for Series 1995-C

          99.5   Monthly Statement to Certificateholders for Series 1995-C

          99.6   Monthly Certificateholders' Statement for Series 1996-A

          99.7   Monthly Statement to Certificateholders for Series 1996-A

          99.8   Monthly Certificateholders' Statement for Series 1996-C

          99.9   Monthly Statement to Certificateholders for Series 1996-C

          99.10  Monthly Certificateholders' Statement for Series 1998-A

          99.11  Monthly Statement to Certificateholders for Series 1998-A
<PAGE>

                                   SIGNATURE


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                        FIRST USA BANK, NATIONAL ASSOCIATION
                                        As Servicer of the CC Master Credit
                                          Card Trust II
                                        (formerly Chevy Chase Master Credit
                                          Card Trust II)


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



Date:  February 15, 2001
       -----------------
<PAGE>

                                 Exhibit Index


Exhibit No.              Description                   Page

99.1           Excess Spread Analysis

99.2           Monthly Certificateholders' Statement for Series 1995-A

99.3           Monthly Statement to Certificateholders for Series 1995-A

99.4           Monthly Certificateholders' Statement for Series 1995-C

99.5           Monthly Statement to Certificateholders for Series 1995-C

99.6           Monthly Certificateholders' Statement for Series 1996-A

99.7           Monthly Statement to Certificateholders for Series 1996-A

99.8           Monthly Certificateholders' Statement for Series 1996-C

99.9           Monthly Statement to Certificateholders for Series 1996-C

99.10          Monthly Certificateholders' Statement for Series 1998-A

99.11          Monthly Statement to Certificateholders for Series 1998-A