<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)          January 10, 2001
                                                            ----------------

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

         (As Servicer on behalf of FIRST USA CREDIT CARD MASTER TRUST)



<TABLE>
<S>                                    <C>                         <C>
   Laws of the United States                33-99362                        51-0269396
   -------------------------                --------                        ----------
(State or other jurisdiction of      (Commission File Number)      (IRS Employer Identification
incorporation or  organization)                                              Number)

</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 5.   Other Events


          Pursuant to the terms of related Series Supplements to the Pooling and
Servicing Agreement dated as of September 1, 1992, (together, the "Agreements")
as amended from time to time, between First USA Bank, National Association as
transferor (the "Transferor") and servicer (the "Servicer") and The Bank of New
York (Delaware) as trustee (the "Trustee"), relating to the Asset Backed
Certificates listed below (the "Certificates") issued by First USA Credit Card
Master Trust (the "Trust"), the Trustee made payments relating to the
collections for the period of December 1 through December 31, 2000 (the
"Collection Period"), on the Series Certificates to those persons in whose names
the Certificates were registered as of the last business day of the Collection
Period.

<TABLE>
<CAPTION>
                Original Principal     Original Principal           Pooling and
                      Amount                 Amount             Servicing Supplement    Interest    Interest   Principal
    Series           (Class A)              (Class B)                   Date              Type      Payment
-------------------------------------------------------------------------------------------------------------------------
<S>             <C>                    <C>                      <C>                     <C>         <C>        <C>
1994-4                726,450,000             56,550,000        June 1, 1994            Floating      yes        no
1994-6                750,000,000             58,380,000        July 30, 1994           Floating      yes        no
1994-8                500,000,000             39,157,000        November 8, 1994        Floating       *         no
1995-2                660,000,000             51,700,000        March 1, 1995           Floating      yes        no
1996-1                750,000,000             67,770,000        March 6, 1996           Floating      yes        no
1996-2                600,000,000             54,300,000        June 4, 1996            Floating      yes        no
1996-4                500,000,000             45,180,000        August 6, 1996          Floating      yes        no
1996-6                862,650,000             78,000,000        December 13, 1996       Floating      yes        no
1996-8                400,000,000             36,200,000        December 11, 1996       Floating      yes        no
1997-1                750,000,000             67,770,000        February 4, 1997        Floating      yes        no
1997-2                500,000,000             45,180,000        May 8, 1997             Floating      yes        no
1997-3                500,000,000             45,180,000        June 10, 1997           Floating      yes        no
1997-4                500,000,000             45,180,000        June 10, 1997           Floating      yes        no
1997-5                650,000,000             58,735,000        August 7, 1997          Floating      yes        no
1997-6              1,300,000,000            117,470,000        September 9, 1997        Fixed        yes        no
1997-7                500,000,000             45,180,000        September 9, 1997       Floating      yes        no
1997-8                780,000,000             70,482,000        September 23, 1997      Floating      yes        no
1997-9                500,000,000             45,180,000        October 9, 1997         Floating      yes        no
1997-10               700,000,000             63,253,000        December 23, 1997       Floating      yes        no
1998-1                700,000,000             63,253,000        May 21, 1998            Floating      yes        no
1998-3                800,000,000             72,289,000        June 25, 1998           Floating      yes        no
1998-4                700,000,000             63,253,000        July 22, 1998           Floating      yes        no
1998-5                650,000,000             58,735,000        August 27, 1998         Floating      yes        no
1998-6                800,000,000             72,289,000        August 27, 1998         Floating      yes        no
1998-7                750,000,000             67,770,000        September 17, 1998      Floating      yes        no
1998-8                500,000,000             45,180,000        September 17, 1998      Floating      yes        no
1998-9                650,000,000             44,828,000        December 22, 1998        Fixed        yes        no
1999-1              1,000,000,000             90,361,000        February 24, 1999       Floating      yes        no
1999-2                500,000,000             45,180,000        February 24, 1999       Floating      yes        no
1999-3                700,000,000             54,167,000        May 4, 1999             Floating      yes        no
1999-4                500,000,000             38,691,000        May 26, 1999            Floating      yes        no

* Interest relating to the collection period is set aside by the Trustee to fulfill quarterly interest payments
  On the February, May, August, and November Payment Dates
</TABLE>



          The 1994-4 Certificates, 1994-6 Certificates, 1994-8 Certificates,
1995-2 Certificates, 1996-1 Certificates, 1996-2 Certificates, 1996-4
Certificates, 1996-6 Certificates, 1996-8 Certificates, 1997-1 Certificates,
1997-2 Certificates, 1997-3 Certificates, 1997-4 Certificates, 1997-5
Certificates, 1997-6 Certificates, 1997-7 Certificates, 1997-8 Certificates,
1997-9 Certificates, 1997-10 Certificates, 1998-1 Certificates, 1998-3
Certificates, 1998-4 Certificates, 1998-5 Certificates, 1998-6 Certificates,
1998-7 Certificates, 1998-8 Certificates, 1998-9 Certificates, 1999-1
Certificates, 1999-2 Certificates, 1999-3 Certificates, and 1999-4 Certificates
(collectively the "Certificates") represent beneficial ownership of a portion
(the "Investor Interest") of certain receivables (the "Receivables") arising in
certain credit card accounts (the "Accounts"). Reference is made to the Monthly
Certificateholders' Statements of the Trust, filed as Exhibits 99.02, 99.03,
99.04, 99.05, 99.06, 99.07, 99.08, 99.09, 99.10, 99.11, 99.12, 99.13, 99.14,
99.15, 99.16, 99.17, 99.18, 99.19, 99.20, 99.21, 99.22, 99.23, 99.24, 99.25,
99.26, 99.27, 99.28, 99.29, 99.30, 99.31, and 99.32, to this report.
<PAGE>

Item 7.   Financial Statements and Exhibits.

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

(99.01)   Excess Spread Analysis

(99.02)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1994-4 Certificates.

(99.03)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1994-6 Certificates.

(99.04)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1994-8 Certificates.

(99.05)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1995-2 Certificates.

(99.06)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1996-1 Certificates.

(99.07)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1996-2 Certificates.

(99.08)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1996-4 Certificates.

(99.09)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1996-6 Certificates.

(99.10)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1996-8 Certificates.

(99.11)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-1 Certificates.

(99.12)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-2 Certificates.

(99.13)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-3 Certificates.

(99.14)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-4 Certificates.

(99.15)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-5 Certificates

(99.16)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-6 Certificates
<PAGE>

(99.17)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-7 Certificates.

(99.18)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-8 Certificates.

(99.19)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-9 Certificates.

(99.20)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1997-10 Certificates.

(99.21)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-1 Certificates.

(99.22)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-3 Certificates.

(99.23)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-4 Certificates.

(99.24)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-5 Certificates.

(99.25)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-6 Certificates.

(99.26)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-7 Certficates.

(99.27)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-8 Certificates.

(99.28)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1998-9 Certificates.

(99.29)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1999-1 Certificates.

(99.30)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1999-2 Certificates.

(99.31)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1999-3 Certificates.

(99.32)   Monthly Certificateholders' Statement of the Trust which contains
          information relating to the Series 1999-4 Certificates.
<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



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





Date:  January, 16, 2001
       -----------------