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                                                                   EXHIBIT 99.10

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                    MONTHLY STATEMENT TO CERTIFICATEHOLDERS
                                 SERIES 1998-A
                        CC MASTER CREDIT CARD TRUST II
              (Formerly Chevy Chase Master Credit Card Trust II)


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RECEIVABLES

Beginning of the Month Principal Receivables:                                                       $       2,683,054,722.71
Beginning of the Month Finance Charge Receivables:                                                  $         124,500,103.29
Beginning of the Month Discounted Receivables:                                                      $                   0.00
Beginning of the Month Total Receivables:                                                           $       2,807,554,826.00


Removed Principal Receivables:                                                                      $                   0.00
Removed Finance Charge Receivables:                                                                 $                   0.00
Removed Total Receivables:                                                                          $                   0.00


Additional Principal Receivables:                                                                   $                   0.00
Additional Finance Charge Receivables:                                                              $                   0.00
Additional Total Receivables:                                                                       $                   0.00


Discounted Receivables Generated this Period:                                                       $                   0.00


End of the Month Principal Receivables:                                                             $       2,662,186,134.57
End of the Month Finance Charge Receivables:                                                        $         123,715,555.73
End of the Month Discounted Receivables:                                                            $                   0.00
End of the Month Total Receivables:                                                                 $       2,785,901,690.30


Special Funding Account Balance                                                                     $                   0.00
Aggregate Invested Amount (all Master Trust II Series)                                              $       2,300,000,000.00
End of the Month Transferor Amount                                                                  $         362,186,134.57
End of the Month Transferor Percentage                                                                                 13.60%

DELINQUENCIES AND LOSSES

End of the Month Delinquencies:

                                                                                                            RECEIVABLES

      30-59 Days Delinquent                                                                         $          55,149,355.38
      60-89 Days Delinquent                                                                         $          39,159,436.30
      90+ Days Delinquent                                                                           $          74,731,729.27

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      Total 30+ Days Delinquent                                                                     $            169,040,520.95
      Delinquent Percentage                                                                                                6.07%

Defaulted Accounts During the Month                                                                 $             18,625,986.71
Annualized Default Percentage                                                                                              8.33%

Principal Collections                                                                                            357,098,184.12
Principal Payment Rate                                                                                                    13.31%

Total Payment Rate                                                                                                        14.27%


INVESTED AMOUNTS

      Class A Initial Invested Amount                                                               $            370,500,000.00
      Class B Initial Invested Amount                                                               $             57,000,000.00
      Class C Initial Invested Amount                                                               $             47,500,000.00

INITIAL INVESTED AMOUNT                                                                             $            475,000,000.00

      Class A Invested Amount                                                                       $            468,000,000.00
      Class B Invested Amount                                                                       $             72,000,000.00
      Class C Invested Amount                                                                       $             60,000,000.00

INVESTED AMOUNT                                                                                     $            600,000,000.00

      Class A Adjusted Invested Amount                                                              $            468,000,000.00
      Class B Adjusted Invested Amount                                                              $             72,000,000.00
      Class C Adjusted Invested Amount                                                              $             60,000,000.00

ADJUSTED INVESTED AMOUNT                                                                            $            600,000,000.00

PREFUNDED AMOUNT                                                                                    $                      0.00

FLOATING ALLOCATION PERCENTAGE                                                                                            22.36%
PRINCIPAL ALLOCATION PERCENTAGE                                                                                           22.36%

      Class A Principal Allocation Percentage                                                                             78.00%
      Class B Principal Allocation Percentage                                                                             12.00%
      Class C Principal Allocation Percentage                                                                             10.00%

COLLECTIONS OF PRINCIPAL RECEIVABLES
DURING THE MONTHLY PERIOD
ALLOCATED TO SERIES 1998-A                                                                                        79,856,438.51

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COLLECTIONS OF FINANCE CHARGE RECEIVABLES
DURING THE MONTHLY PERIOD
ALLOCATED TO SERIES 1998-A                                                                                         9,760,740.64

MONTHLY SERVICING FEE                                                                               $                750,000.00

INVESTOR DEFAULT AMOUNT                                                                             $              4,165,254.90


CLASS A AVAILABLE FUNDS--


CLASS A FLOATING ALLOCATION PERCENTAGE                                                                                    78.00%

      Class A Finance Charge Collections                                                            $              8,198,377.74
      Other Amounts                                                                                 $                      0.00

TOTAL CLASS A AVAILABLE FUNDS                                                                       $              8,198,377.74


      Class A Monthly Interest                                                                      $              2,829,320.00
      Class A Servicing Fee                                                                         $                585,000.00
      Class A Investor Default Amount                                                               $              3,248,898.82

TOTAL CLASS A EXCESS SPREAD                                                                         $              1,535,158.92


CLASS A REQUIRED AMOUNT                                                                             $                      0.00


CLASS B AVAILABLE FUNDS


CLASS B FLOATING ALLOCATION PERCENTAGE                                                                                    12.00%

      Class B Finance Charge Collections                                                            $              1,261,288.85
      Other Amounts                                                                                 $                      0.00

TOTAL CLASS B AVAILABLE FUNDS                                                                       $              1,261,288.85

      Class B Monthly Interest                                                                      $                451,280.00
      Class B Servicing Fee                                                                         $                 90,000.00

TOTAL CLASS B EXCESS SPREAD                                                                         $                720,008.85
CLASS B INVESTOR DEFAULT AMOUNT                                                                                      499,830.59
CLASS B REQUIRED AMOUNT                                                                                              499,830.59

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CLASS C FLOATING ALLOCATION PERCENTAGE                                                                                    10.00%

CLASS C MONTHLY SERVICING FEE                                                                                         75,000.00

EXCESS SPREAD --


TOTAL EXCESS SPREAD                                                                                 $              3,231,241.82


      Excess Spread Applied to Class A Required Amount                                              $                      0.00

      Excess Spread Applied to Class A Investor
      Charge Offs                                                                                   $                      0.00

      Excess Spread Applied to Class B
      Required Amount                                                                               $                499,830.59

      Excess Spread Applied to Reductions of                                                        $                      0.00
      Class B Invested Amount

      Excess Spread Applied to Class C Required Amount                                              $                824,592.16

      Excess Spread Applied to Reductions of
      Class C Invested Amount                                                                       $                      0.00

      Excess Spread Applied to Monthly Cash                                                         $                125,000.00
      Collateral Fee

      Excess Spread Applied to Cash Collateral                                                      $                      0.00
      Account

      Excess Spread Applied to Spread Account                                                       $              1,781,819.07

      Excess Spread Applied to Reserve Account                                                      $                      0.00

      Excess Spread Applied to other amounts owed to                                                $                      0.00
      Cash Collateral Depositor

      Excess Spread Applied to other amounts owed to
      Spread Account Residual Interest Holders                                                      $                      0.00

TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR
GROUP I                                                                                             $                      0.00

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EXCESS FINANCE CHARGES COLLECTIONS -- GROUP I --

TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL
SERIES IN GROUP I                                                                                   $                      0.00


SERIES 1998-A EXCESS FINANCE CHARGE COLLECTIONS --

EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO                                                      $                      0.00
SERIES 1998-A

      Excess Finance Charge Collections Applied to
      Class A Required Amount                                                                       $                      0.00

      Excess Finance Charge Collections Applied to
      Class A Investor Amount Charge Offs                                                           $                      0.00

      Excess Finance Charge Collections Applied to
      Class B Required Amount                                                                       $                      0.00

      Excess Finance Charge Collections Applied to
      Reductions of Class B Invested Amount                                                         $                      0.00

      Excess Finance Charge Collections Applied to
      Class C Required Amount                                                                       $                      0.00

      Excess Finance Charge Collections Applied to
      Reductions of Class C Invested Amount                                                         $                      0.00

      Excess Finance Charge Collections Applied to
      Monthly Cash Collateral Fee                                                                   $                      0.00

      Excess Finance Charge Collections Applied to
      other amounts owed Cash Collateral Depositor                                                  $                      0.00

      Excess Finance Charge Collections Applied to
      other amounts owed to Spread Account Residual Interest
      Holders                                                                                       $                      0.00

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YIELD AND BASE RATE --

      Base Rate (Current Month)                                                                                            8.92%
      Base Rate (Prior Month)                                                                                              8.79%
      Base Rate (Two Months Ago)                                                                                           8.40%

THREE MONTH AVERAGE BASE RATE                                                                                              8.70%

      Portfolio Yield (Current Month)                                                                                     12.69%
      Portfolio Yield (Prior Month)                                                                                        9.65%
      Portfolio Yield (Two Months Ago)                                                                                    11.87%

THREE MONTH AVERAGE PORTFOLIO YIELD                                                                                       11.40%


PRINCIPAL COLLECTIONS --

TOTAL PRINCIPAL COLLECTIONS                                                                         $             79,856,438.51

INVESTOR DEFAULT AMOUNT                                                                             $              4,165,254.90

REALLOCATED PRINCIPAL COLLECTIONS

                             Allocable to Class C Interests                                         $                      0.00

                             Allocable to Class B Certificates                                      $                      0.00

SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER                                                   $                      0.00
SERIES

CLASS A SCHEDULED ACCUMULATION --

      Controlled Accumulation Amount                                                                $                      0.00
      Deficit Controlled Accumulation Amount                                                        $                      0.00

CONTROLLED DEPOSIT AMOUNT                                                                           $                      0.00

CLASS B SCHEDULED ACCUMULATION --

      Controlled Accumulation Amount                                                                                       0.00
      Deficit Controlled Accumulation Amount                                                        $                      0.00

CONTROLLED DEPOSIT AMOUNT                                                                           $                      0.00

EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL                                                 $             84,021,693.41
SHARING

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INVESTOR CHARGE OFFS --

CLASS A INVESTOR CHARGE OFFS                                                                        $                      0.00

CLASS B INVESTOR CHARGE OFFS                                                                        $                      0.00

CLASS C INVESTOR CHARGE OFFS                                                                        $                      0.00


PREVIOUS CLASS A CHARGE OFFS REIMBURSED                                                             $                      0.00
PREVIOUS CLASS B REDUCTIONS REIMBURSED                                                              $                      0.00
PREVIOUS CLASS C REDUCTIONS REIMBURSED                                                              $                      0.00

CASH COLLATERAL ACCOUNT --


      Required Cash Collateral Amount                                                               $             18,000,000.00
      Available Cash Collateral Amount                                                              $             18,000,000.00


TOTAL DRAW AMOUNT                                                                                   $                      0.00
CASH COLLATERAL ACCOUNT SURPLUS                                                                     $                      0.00

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                                       First USA Bank, National Association
                                       as Servicer


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