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EXHIBIT 99.03
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK, NATIONAL ASSOCIATION
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FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
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Monthly Period: 12/1/00 to
12/31/00
Distribution Date: 1/16/01
Transfer Date: 1/12/01
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, National Association, (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 1994-6 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.
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A. Information Regarding the Current Monthly Distribution.
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1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $6.31111
Class B $6.51556
CIA $6.73889
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Total (Weighted Avg.) $6.36718
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 $6.31111
Class B $6.51556
CIA $6.73889
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Total (Weighted Avg.) $6.36718
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
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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
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Total (Weighted Avg.) $0.00000
B. Information Regarding the Performance of the Trust.
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1. Allocation of Principal Receivables.
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The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the Certificates
Class A $101,010,207.66
Class B $ 7,838,203.75
CIA $ 12,097,382.34
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Total $120,945,793.75
2. Allocation of Finance Charge Receivables
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(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 $11,284,108.70
Class B $ 875,629.68
CIA $ 1,351,404.93
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Total $13,511,143.31
3. Principal Receivable / Investor Percentages
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(a) The aggregate amount of Principal Receivables in
the Trust as of 12/31/00 $36,665,932,688.35
(b) Invested Amount as of 12/31/00
Class A $750,000,000.00
Class B $ 58,380,000.00
CIA $ 89,820,000.00
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Total $898,200,000.00
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
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(c) The Floating Allocation Percentage:
Class A 2.063%
Class B 0.160%
CIA 0.247%
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Total 2.470%
(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
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Total $0.00
(e) The Fixed/Floating Allocation Percentage:
Class A 2.063%
Class B 0.160%
CIA 0.247%
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Total 2.470%
4. Delinquent Balances.
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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 $ 518,381,000.45
(b) 65 - 94 days $ 376,121,357.80
(c) 95 - 124 days $ 285,646,320.17
(d) 125 - 154 days $ 237,788,846.10
(e) 155 - 184 days $ 193,364,977.00
(f) 185 or more days $ 0.00
Total $1,611,302,501.52
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
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5. Monthly Investor Default Amount.
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(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 $3,547,914.94
Class B $ 275,303.09
CIA $ 424,998.35
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Total $4,248,216.38
(b) The amount set forth in paragaraph 5(a) above in
respect of the Monthly Investor Default Amount, per
original $ 1,000 interest
Class A $4.73
Class B $4.72
CIA $4.73
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Total $4.73
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
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(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
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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
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Total $0.00
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(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
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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
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Total $0.00
7. Investor Servicing Fee
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(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $ 937,500.00
Class B $ 72,975.00
CIA $ 112,275.00
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Total $1,122,750.00
(b) The amount set forth in paragraph 7(a) above, per
$ 1,000 interest
Class A $1.25000000
Class B $1.25000000
CIA $1.25000000
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Total $1.25000000
8. Reallocated Principal Collections
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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
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Total $0.00
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
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9. Collateral Invested Amount
(a) The amount of the Collateral 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 $89,820,000.00
(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 $89,820,000.00
10. The Pool Factor
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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
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The Portfolio Yield for the related Monthly Period 12.38%
12. The Base Rate
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The Base Rate for the related Monthly Period 9.12%
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MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, National Association
as Servicer
By: /s/ Tracie Klein
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Tracie Klein
First Vice President