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                                                                     EXHIBIT 28I

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

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1996-S
                               January 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 January 18, 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.                                                                  $          6.222

     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                                   $          6.222

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                                        $ 740,501,718.16

     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                                                 $  15,027,833.47

     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                                                       $  13,149,354.29

     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                                               $         18.785

     e.  The amount of Excess Spread for the Due Period with respect to the
         current Distribution Date                                                                              $   5,582,534.48

     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>
<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 )                                                                          $  15,523,329,051.29


     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                                                                                                                 5.154%

     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                                                                                            5.154%

     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                                                                            $     877,007,218.41

     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                                                                            $       5,626,929.00
        2. Recoveries                                                                                         $         456,684.24
        3. Net Default Receivables                                                                            $       5,170,244.76
</TABLE>

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                                                                  Series  1996-S

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

            1.  Investor Default Amount                                                                       $      4,923,562.88
            2.  Recoveries                                                                                    $        399,598.71
            3.  Net Default Receivables                                                                       $      4,523,964.17

     c.  The Collateral Investor Default Amount

            1.  Investor Default Amount                                                                       $        703,366.12
            2.  Recoveries                                                                                    $         57,085.53
            3.  Net Default Receivables                                                                       $        646,280.59

     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>
<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, deposits
         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
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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