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                                                                     EXHIBIT 28N

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

                         FIRST CHICAGO MASTER TRUST II
                                 Series 1999-X
                               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 1999-X
Supplement dated as of June 1, 1999 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.

A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
Original Principal Amount)

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<S>                                                                                                            <C>
     1.   The total amount of the distribution to Class A Adjusted Certificateholders on the Payment Date
          per $1,000 interest.                                                                                 $            6.245

     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                                               $            6.245

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 1999-X Certificates                                                            $    16,101,250.16

     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                                                                  $    14,088,593.89

     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                                                                                    $     5,963,578.62

     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 1999-X Certificates, if any                                                                   $             0.00
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                                                                  Series  1999-X

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<S>                                                                                                            <C>
     h.   The amount of Excess Principal Collections allocated in respect of the Series 1999-X
          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 1999-X
          Certificates (the "Adjusted Invested Amount") for the Due Period with respect to the
          current Distribution Date                                                                            $   857,142,857.00

     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         $   750,000,000.00
          current Distribution Date

     d.   The Invested Amount for the Due Period with respect to the current Distribution Date                 $   857,142,857.00

     e.   The Class A Invested Amount for the Due Period with respect to the current Distribution Date         $   750,000,000.00

     f.   The Invested Percentage with respect to Finance Charge Receivables (including
          Interchange) and Defaulted Receivables for the Series 1999-X Certificates for
          the Due Period with respect to the current Distribution Date                                                      5.522%

     g.   The Invested Percentage with respect to Principal Receivables for the Series 1999-X
          Certificates for the Due Period with respect to the current Distribution Date                                     5.522%

     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
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                                                                  Series  1999-X

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<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 1999-X
           Certificates (the "Investor Default Amount")

          1.   Investor Default Amount                                                                         $     6,028,852.50
          2.   Recoveries                                                                                      $       489,304.55
          3.   Net Default Receivables                                                                         $     5,539,547.95

     b.   The Class A Investor Default Amount

          1.   Investor Default Amount                                                                         $     5,275,245.94
          2.   Recoveries                                                                                      $       428,141.48
          3.   Net Default Receivables                                                                         $     4,847,104.46

     c.   The Collateral Investor Default Amount

          1.   Investor Default Amount                                                                         $       753,606.56
          2.   Recoveries                                                                                      $        61,163.07
          3.   Net Default Receivables                                                                         $       692,443.49

     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                                           $       178,571.43

     b.   The amount of the Interchange Monthly Servicing Fee payable to the Servicer
          with respect to the current Distribution Date                                                        $       892,857.14

     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)    $     8,571,429.00
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                                                                 Series:  1999-X

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<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                                     $   107,142,857.00

     b.   The Collateral Invested Amount after giving effect to all withdrawals, deposits,
          and payments on the current Distribution Date                                                        $   107,142,857.00

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

     a.   The total Enhancement for the current Distribution Date                                              $   115,714,286.00

     b.   The total Enhancement after giving effect to all withdrawals, depostis
          and payments on the current Distribution Date                                                        $   115,714,286.00

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