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                                                                     EXHIBIT 28K

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

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1997-U
                               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 1997-U
Supplement dated as of October 1, 1997 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 Adjusted
               Certificateholders on the Payment Date per $1,000 interest.                                        $         6.212

          2.   The amount of the distribution set forth in paragraph 1 above in
               respect of principal on the Class A Adjusted 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 Adjusted Certificates, per
               $1,000 interest                                                                                    $         6.212

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 1997-U Certificates
                                                                                                                  $  8,587,333.43

          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                                        $  7,513,916.74

          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 Adjusted Certificates, per
               $1,000 interest                                                                                    $        18.785

          e.   The amount of Excess Spread for the Due Period with respect to
               the current Distribution Date                                                                      $  3,193,797.50

          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 1997-U Certificates, if any                                                  $          0.00
</TABLE>
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                                                                  Series 1997-U
<TABLE>
<S>                                                                                                     <C>
          h.   The amount of Excess Principal Collections allocated in respect of the Series 1997-U
               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 1997-U Certificates (the "Adjusted Invested Amount")
               for the Due Period with respect to the current Distribution Date
                                                                                                        $   457,142,858.00

          c.   The amount of Principal Receivables in the Trust represented by
               the Class A Certificates (the "Class A Adjusted Invested Amount")
               for the Due Period with respect to the current Distribution Date
                                                                                                        $   400,000,000.00

          d.   The Invested Amount for the Due Period with respect to the
               current Distribution Date                                                                $   457,142,858.00

          e.   The Class A Invested Amount for the Due Period with respect to
               the current Distribution Date                                                            $   400,000,000.00

          f.   The Invested Percentage with respect to Finance Charge
               Receivables (including Interchange) and Defaulted Receivables for
               the Series 1997-U Certificates for the Due Period with respect to
               the current Distribution Date                                                                         2.945%

          g.   The Invested Percentage with respect to Principal Receivables for
               the Series 1997-U Certificates for the Due Period with respect to
               the current Distribution Date                                                                         2.945%

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

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

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

          k.   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
</TABLE>
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                                                                  Series 1997-U
<TABLE>
<S>                                                                                                         <C>
          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 1997-U
               Certificates (the "Investor Default Amount")

               1.   Investor Default Amount                                                                 $3,215,388.01
               2.   Recoveries                                                                              $  260,962.42
               3.   Net Default Receivables                                                                 $2,954,425.59

          b.   The Class A Investor Default Amount

               1.   Investor Default Amount                                                                 $2,813,464.50
               2.   Recoveries                                                                              $  228,342.12
               3.   Net Default Receivables                                                                 $2,585,122.38

          c.   The Collateral Investor Default Amount

               1.   Investor Default Amount                                                                 $  401,923.51
               2.   Recoveries                                                                              $   32,620.30
               3.   Net Default Receivables                                                                 $  369,303.21

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

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

          b.   The amount attributable to Class A Adjusted Investor Charge-Offs,
               if any, by which the principal balance of the Class A Adjusted
               Certificates exceeds the Class A Adjusted 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                                                                            $   95,238.10

          b.   The amount of the Interchange Monthly Servicing Fee payable to
               the Servicer with respect to the current Distribution Date                                   $  476,190.48

          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)
                                                                                                            $4,571,429.00
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                                                                  Series: 1997-U

<TABLE>
<S>                                                                                           <C>
          c.   The amount as computed in 7.b as a percentage of the Class A
               Adjusted 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               $57,142,858.00

          b.   The Collateral Invested Amount after giving effect to all
               withdrawals, deposits, and payments on the current Distribution
               Date                                                                           $57,142,858.00

          9.   Total Enhancement
          ----------------------

          a.   The total Enhancement for the current Distribution Date                        $61,714,287.00

          b.   The total Enhancement after giving effect to all withdrawals,
               depostis and payments on the current Distribution Date
                                                                                              $61,714,287.00

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

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

D.   Principal Funding Account
------------------------------

          1.   The Principal Funding Investment Proceeds deposited in the
               Collection Account for the current Distribution Date to be
               treated as Class A Available Funds                                             $         0.00

          2.   The Excess Principal Funding Investment Proceeds for the current
               Distribution Date                                                              $         0.00

          3.   The Principal Funding Account Balance as of the end of the day on
               the current Distribution Date                                                  $         0.00

          4.   The Deficit Controlled Accumulation Amount for the preceding Due
               Period                                                                         $         0.00

E.   Reserve Account
--------------------

          1.   The Reserve Draw Amount for the current Distribution Date                      $         0.00

          2.   The amount on deposit in the Reserve Account as of the end of the
               day on the current Distribution Date (the "Available Reserve
               Account Amount" for the next Distribution Date)                                $         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