<PAGE>

                                                                  EXHIBIT  99.10


                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                             FIRST USA BANK, N.A.

              ---------------------------------------------------
               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-6
              ---------------------------------------------------

                Monthly Period:                  4/1/00 to
                                                 4/30/00
                Distribution Date:               5/10/00
                Transfer Date:                   5/9/00

Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1996-6 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.

A.  Information Regarding the Current Monthly Distribution.
    -------------------------------------------------------

    1.  The total amount of the distribution to
        Certificateholders on the Distribution Date per
        $1,000 original certificate principal amount

                              Class A                                  $5.22500
                              Class B                                  $5.40000
                              CIA                                      $5.90000
                                                          ----------------------
                                Total (Weighted Avg.)                  $5.30226

    2.  The amount of the distribution set forth in
        paragraph 1 above in respect of interest on
        the Certificates, per $1,000 original
        certificate principal amount

                              Class A                                  $5.22500
                              Class B                                  $5.40000
                              CIA                                      $5.90000
                                                          ----------------------
                                Total (Weighted Avg.)                  $5.30226
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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-6
Page 2


    3.  The amount of the distribution set forth in
        paragraph 1 above in respect of principal on the
        Certificates, per $1,000 original certificate
        principal amount

                              Class A                                  $0.00000
                              Class B                                  $0.00000
                              CIA                                      $0.00000
                                                          ---------------------
                              Total (Weighted Avg.)                    $0.00000

B.  Information Regarding the Performance of the Trust.
    ---------------------------------------------------

    1.  Allocation of Principal Receivables.
        ------------------------------------

        The aggregate amount of Allocations of Principal
        Receivables processed during the Monthly Period
        which were allocated in respect of the
        Certificates

                              Class A                           $121,481,838.20
                              Class B                            $10,975,807.37
                              CIA                                $13,893,855.89
                                                          ---------------------
                              Total                             $146,351,501.46

    2.  Allocation of Finance Charge Receivables
        ----------------------------------------


        (a1)  The aggregate amount of Allocations of
              Finance Charge Receivables processed during
              the Monthly Period which were allocated in
              respect of the Certificates

                              Class A                            $12,478,536.45
                              Class B                              1,127,412.79
                              CIA                                  1,427,161.32
                                                          ---------------------
                              Total                              $15,033,110.56

        (b1)  Principal Funding Investment Proceeds
              (to Class A)                                                $0.00
        (b2)  Withdrawals from Reserve Account
              (to Class A)                                                $0.00
                                                          ---------------------
              Class A Available Funds                            $12,478,536.45

        (c1)  Principal Funding Investment Proceeds
              (to Class B)                                                $0.00
        (c2)  Withdrawals from Reserve Account
              (to Class B)                                                $0.00
              Class B Available Funds                             $1,127,412.79

        (d1)  Principal Funding Investment Proceeds
              (to CIA)                                                    $0.00
        (d2)  Withdrawals from Reserve Account
              (to CIA)                                                    $0.00
                                                          ---------------------
              CIA Available Funds                                 $1,427,161.32

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-6
Page 3


    3.  Principal Receivable/Investor Percentages
        -----------------------------------------

        (a)   The aggregate amount of Principal
              Receivables in the Trust as of the
              last day of the Monthly Period                 $35,957,403,124.97

        (b)   Invested Amount as of the last day of the
              preceding month (Adjusted Class A Invested
              Amount during Accumulation Period)

                              Class A                           $862,650,000.00
                              Class B                            $78,000,000.00
                              CIA                                $98,750,000.00
                                                          ---------------------
                              Total                           $1,039,400,000.00

        (c)   The Floating Allocation Percentage: The
              Invested Amount set forth in paragraph 3(b)
              above as a percentage of the aggregate
              amount of Principal Receivables as of the
              Record Date set forth in paragraph 3(a)
              above

                              Class A                                    2.399%
                              Class B                                    0.217%
                              CIA                                        0.275%
                                                          ---------------------
                              Total                                      2.891%

        (d)   During the Amortization Period: The Invested
              Amount as of _______ (the last day of the
              Revolving Period)

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

        (e)   The Fixed/Floating Allocation Percentage:
              The Invested Amount set forth in paragraph
              3(d) above as a percentage of the aggregate
              amount of Principal Receivables set forth in
              paragraph 3(a) above

                              Class A                                    0.000%
                              Class B                                    0.000%
                              CIA                                        0.000%
                                                          ---------------------
                              Total                                      0.000%

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-6
Page 4


    4.  Delinquent Balances.
        --------------------

        The aggregate amount of outstanding balances in
        the Accounts which were delinquent as of the end
        of the day on the last day of the Monthly Period

        (a)   35 - 64 days                                      $412,356,105.49
        (b)   65 - 94 days                                      $304,262,251.21
        (c)   95 - 124 days                                     $259,879,194.26
        (d)   125 - 154 days                                    $222,010,293.21
        (e)   155 - 184 days                                    $195,551,133.26
        (f)   185 or more days                                            $0.00
                                                          ---------------------
                              Total                           $1,394,058,977.43

    5.  Monthly Investor Default Amount.
        --------------------------------

        (a)   The aggregate amount of all defaulted
              Principal Receivables written off as
              uncollectible during the Monthly Period
              allocable to the Invested Amount (the
              aggregate "Investor Default Amount")

                              Class A                             $4,030,268.07
                              Class B                               $364,034.36
                              CIA                                   $460,912.68
                                                          ---------------------
                              Total                               $4,855,215.11

    6.  Investor Charge-Offs & Reimbursements of Charge-Offs.
        -----------------------------------------------------

        (a)   The aggregate amount of Class A Investor
              Charge-Offs and the reductions in the Class
              B Invested Amount and the CIA

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

        (b)   The amounts set forth in paragraph 6(a)
              above, per $1,000 original certificate
              principal amount (which will have the effect
              of reducing, pro rata, the amount of each
              Certificateholder's investment)

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

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MONTHLY CERTIFICATEHOLDER'S STATEMENT                             Series 1996-6
Page 5


        (c)   The aggregate amount of Class A Investor
              Charge-Offs reimbursed and the reimbursement
              of reductions in the Class B Invested Amount
              and the CIA

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

        (d)   The amounts set forth in paragraph 6(c)
              above, per $1,000 interest (which will
              have the effect of increasing, pro rata,
              the amount of each Certificateholder's
              investment)

                              Class A                                     $0.00
                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

    7.  Investor Servicing Fee
        ----------------------
        (a)   The amount of the Investor Monthly Servicing
              Fee payable by the Trust to the Servicer for
              the Monthly Period

                              Class A                             $1,078,312.50
                              Class B                                $97,500.00
                              CIA                                   $123,437.50
                                                          ---------------------
                              Total                               $1,299,250.00

    8.  Reallocated Principal Collections
        ---------------------------------
              The amount of Reallocated CIA and Class B
              Principal Collections applied in respect of
              Interest Shortfalls, Investor Default Amounts or
              Investor Charge-Offs for the prior month.

                              Class B                                     $0.00
                              CIA                                         $0.00
                                                          ---------------------
                              Total                                       $0.00

    9.  CIA Invested Amount
        (a)   The amount of the CIA Invested Amount
              as of the close of business on the related
              Distribution Date after giving effect to
              withdrawals, deposits and payments to be
              made in respect of the preceding month             $98,750,000.00

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-6
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        (b)   The Required CIA Invested Amount as
              of the close of business on the related
              Distribution Date after giving effect to
              withdrawals, deposits and payments to
              be made in respect of the preceding month          $98,750,000.00


    10. The Pool Factor
        ---------------
              The Pool Factor (which represents the ratio of the amount of the
              Investor Interest on the last day of the Monthly Period, inclusive
              of any principal payments to be made on the related Distribution
              Date, to the amount of the Investor Interest as of the Closing
              Date). The amount of a Certificateholder's pro rata share of the
              Investor Participation Amount can be determined by multiplying the
              original denomination of the holder's Certificate by the Pool
              Factor

                              Class A                                1.00000000
                              Class B                                1.00000000
                              Total                                  1.00000000

    11. The Portfolio Yield
        -------------------
              The Portfolio Yield for the related Monthly Period         11.75%

    12. The Base Rate
        -------------
              The Base Rate for the related Monthly Period                8.36%


C   Information Regarding the Principal Funding Account
    ---------------------------------------------------

        1.    Accumulation Period

        (a)   Accumulation Period commencement date                  10/01/2003

        (b)   Accumulation Period Length (months)                             1

        (c)   Accumulation Period Factor                                  13.14

        (d)   Required Accumulation Factor Number                             8

        (e)   Controlled Accumulation Amount                  $1,039,400,000.00

        (f)   Minimum Payment Rate (last 12 months)                      14.06%

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MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-6
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    2.  Principal Funding Account
        -------------------------

        Beginning Balance                                                 $0.00
              Plus: Principal Collections for related Monthly
                    Period from Principal Account                         $0.00
              Plus: Interest on Principal Funding Account
                    Balance for related Monthly Period                    $0.00

              Less: Withdrawals to Finance Charge Account                 $0.00
              Less: Withdrawals to Distribution Account                   $0.00
                                                          ---------------------
        Ending Balance                                                    $0.00

    3.  Accumulation Shortfall
        ----------------------

              The Controlled Deposit Amount for the
              previous Monthly Period                                     $0.00

        Less: The amount deposited into the Principal
              Funding Account for the Previous Monthly
              Period                                                      $0.00

              Accumulation Shortfall                                      $0.00
                                                          ---------------------
              Aggregate Accumulation Shortfalls                           $0.00

    4.  Principal Funding Investment Shortfall
        --------------------------------------

              Covered Amount                                              $0.00

        Less: Principal Funding Investment Proceeds                       $0.00
                                                          ---------------------
              Principal Funding Investment Shortfall                      $0.00
                                                          ---------------------

D.  Information Regarding the Reserve Account
    -----------------------------------------

        1.    Required Reserve Account Analysis
              ---------------------------------

              (a)   Required Reserve Account Amount percentage         0.00000%

              (b)   Required Reserve Account Amount ($)                   $0.00
                    (0.5% of Invested Amount or other amount
                    designated by Transferor)

              (c)   Required Reserve Account Balance after
                    effect of any transfers on the Related
                    Transfer Date                                         $0.00

              (d)   Reserve Draw Amount transferred to the
                    Finance Charge Account on the Related
                    Transfer Date                                         $0.00

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MONTHLY CERTIFICATEHOLDER'S STATEMENT                             Series 1996-6
Page 8


    2.  Reserve Account Investment Proceeds
        -----------------------------------
        Reserve Account Investment Proceeds transferred to
        the Finance Charge Account on the Related Transfer
        Date                                                              $0.00

    3.  Withdrawals from the Reserve Account
        ------------------------------------
        Total Withdrawals from the Reserve Account
        transferred to the Finance Charge Account on the
        Related Transfer Date (1(d) plus 2 above)                         $0.00

    4.  The Portfolio Adjusted Yield
        ----------------------------
        The Portfolio Adjusted Yield for the related
        Monthly Period                                                    4.50%

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MONTHLY CERTIFICATEHOLDER'S STATEMENT
Signature Page






                                 First USA Bank, N.A.
                                 as Servicer


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