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                                                                     EXHIBIT 28G



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

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1996-S
                                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 1996-S
Supplement dated as of November 1, 1996 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.

<TABLE>

<S>                                                                                           <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.                                                             $5.618

     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                                  $5.618

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 1996-S Certificates                                      $15,238,461.95

         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                                            $13,333,654.21

         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                                                         $ 5,412,716.34

         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 1996-S Certificates, if any                                                     $0.00
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                                                                   Series 1996-S

<TABLE>
<CAPTION>
<S>                                                                                     <C>
   h.  The amount of Excess Principal Collections allocated in respect of the
       Series 1996-S 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 1996-S Certificates (the "Invested Amount") for the Due Period
       with respect to the current Distribution Date                                       $800,000,000.00

   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                                            $700,000,000.00

   d.  The Invested Percentage with respect to Finance Charge Receivables
       (including Interchange) and Defaulted Receivables for the Series 1996-S
       Certificates for the Due Period with respect to the current Distribution
       Date                                                                                          5.432%

   e.  The Invested Percentage with respect to Principal Receivables for the
       Series 1996-S Certificates for the Due Period with respect to the current
       Distribution Date                                                                             5.432%

   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 1996-S Certificates (the
       "Investor Default Amount")

       1.  Investor Default Amount                                                           $6,544,530.70
       2.  Recoveries                                                                          $359,160.46
       3.  Net Default Receivables                                                           $6,185,370.24
</TABLE>
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                                                                   Series 1996-S

<TABLE>
<CAPTION>
<S>                                                                                     <C>
   b.  The Class A Investor Default Amount

       1.  Investor Default Amount                                                           $5,726,464.36
       2.  Recoveries                                                                          $314,265.40
       3.  Net Default Receivables                                                           $5,412,198.96

   c.  The Collateral Investor Default Amount

       1.  Investor Default Amount                                                             $818,066.34
       2.  Recoveries                                                                           $44,895.06
       3.  Net Default Receivables                                                             $773,171.28

   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                 $166,666.67

   b.  The amount of the Interchange Monthly Servicing Fee payable to the
       Servicer with respect to the current Distribution Date                                  $833,333.33

   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)                                                                    $8,000,000.00

   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                    $100,000,000.00

   b.  The Collateral Invested Amount after giving effect to all withdrawals,
       deposits, and payments on the current Distribution Date                             $100,000,000.00
</TABLE>
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                                                                   Series 1996-S

<TABLE>
<CAPTION>
<S>                                                                                     <C>
   9.  Total Enhancement
   ---------------------

   a.  The total Enhancement for the current Distribution Date                          $108,000,000.00

   b.  The total Enhancement after giving effect to all withdrawals, depostis
       and payments on the current Distribution Date                                    $108,000,000.00

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

</TABLE>
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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