FIRST USA CREDIT CARD MASTER TRUST
8-K, 1996-12-23
ASSET-BACKED SECURITIES
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<PAGE>
 
                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C.  20549

                                   FORM 8-K

                                CURRENT REPORT


                      Pursuant to Section 13 or 15(d) of
                      The Securities Exchange Act of 1934


Date of Report (Date of earliest event reported)           December 10, 1996
                                                           -----------------

                                FIRST USA BANK
- -------------------------------------------------------------------------------
            (Exact name of registrant as specified in its charter)

         (As Servicer on behalf of FIRST USA CREDIT CARD MASTER TRUST)


 
           Delaware                  33-99362                76-0039224
         ------------            -----------------          ------------
(State or other jurisdiction  (Commission File Number)      (IRS Employer
  of incorporation or                                   Identification Number)
       organization)


201 North Walnut Street, Wilmington, Delaware                              19801
- --------------------------------------------------------------------------------
(Address of principal executive offices)                              (Zip Code)


                302/594-4117
- ------------------------------------------------------
Registrant's telephone number, including area code


                                      N/A
- --------------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report)
<PAGE>
 
Item 5.   Other Events

          Pursuant to the terms of the related Series Supplements to the Pooling
and Servicing Agreement dated as of September 1, 1992, (together, the
"Agreements") as amended from time to time, between First USA Bank as transferor
(the "Transferor") and servicer (the "Servicer") and The Bank of New York
(Delaware) as trustee (the "Trustee"), relating to the Asset Backed Certificates
listed below (the "Certificates") issued by First USA Credit Card Master Trust
(the "Trust"), the Trustee made payments relating to the collections for the
period of November 1 through November 30, 1996 (the "Collection Period"), on the
Series Certificates to those persons in whose names the Certificates were
registered as of the last business day of the Collection Period.

<TABLE> 
<CAPTION> 

           Original Principal       Original Principal          Pooling and
                 Amount                   Amount            Servicing Supplement                         Interest      Principal
Series          (Class A)               (Class B)                  Date              Interest Type        Payment       Payment
- -----------------------------------------------------------------------------------------------------------------------------------

<S>        <C>                      <C>                     <C>                      <C>                 <C>           <C> 
1992-1         308,000,000             42,000,000             September 1, 1992          Fixed               yes           yes
1993-1         500,000,000                  -                 May 1, 1993               Floating             yes            no
1993-2         500,000,000                  -                 October 1, 1993           Floating             yes           yes   
1993-3         750,000,000                  -                 October 1, 1993           Floating             yes            no
1994-3         532,350,000             34,650,000             June 1, 1994              Floating             yes            no
1994-4         726,450,000             56,550,000             June 1, 1994              Floating             yes            no
1994-5         500,000,000             39,160,000             July 30, 1994             Floating             yes            no
1994-6         750,000,000             58,380,000             July 30, 1994             Floating             yes            no
1994-7         750,000,000             58,735,000             November 8, 1994          Floating             yes            no
1994-8         500,000,000             39,157,000             November 8, 1994          Floating              *             no
1995-1        1,000,000,000            78,300,000             March 1, 1995             Floating             yes            no
1995-2         660,000,000             51,700,000             March 1, 1995             Floating             yes            no
1995-3         830,000,000             65,000,000             May 16, 1995              Floating             yes            no
1995-4         750,000,000             67,770,000             September 14, 1995        Floating             yes            no
1995-5         500,000,000             45,180,000             September 14, 1995        Floating             yes            no
1995-6        1,245,000,000           112,500,000             December 7, 1995          Floating             yes            no
1996-1         750,000,000             67,770,000             March 6, 1996             Floating             yes            no
1996-2         600,000,000             54,300,000             June 4, 1996              Floating             yes            no
1996-4         500,000,000             45,180,000             August 6, 1996            Floating             yes            no
1996-6         862,650,000             78,000,000             November 13, 1996         Floating             yes            no

</TABLE> 

* Interest relating to the collection period is set aside by the Trustee to 
  fulfill quarterly interest payments on the February, May, August and November 
  Payment Dates. 

          The 1992-1 Certificates, 1993-1 Certificates, 1993-2 Certificates,
1993-3 Certificates, 1994-3 Certificates, 1994-4 Certificates, 1994-5
Certificates, 1994-6 Certificates, 1994-7 Certificates, 1994-8 Certificates,
1995-1 Certificates, 1995-2 Certificates, 1995-3 Certificates, 1995-4
Certificates, 1995-5 Certificates, 1995-6 Certificates, 1996-1 Certificates,
1996-2 Certificates, 1996-4 Certificates, and 1996-6 Certificates (collectively
the "Certificates") represent beneficial ownership of a portion (the "Investor
Interest") of certain receivables (the "Receivables") arising in certain credit
card accounts (the "Accounts").  Reference is made to the Monthly
Certificateholders' Statements of the Trust, filed as Exhibits 99.01, 99.02,
99.03, 99.04, 99.05, 99.06, 99.07, 99.08, 99.09, 99.10, 99.11, 99.12, 99.13,
99.14, 99.15, 99.16, 99.17, 99.18, 99.19 and 99.20 to this report.
<PAGE>
 
Item 7.  Financial Statements and Exhibits.

The following exhibits are filed as a part of this report:

(99.01)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1992-1 Certificates.

(99.02)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1993-1 Certificates.

(99.03)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1993-2 Certificates.

(99.04)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1993-3 Certificates.

(99.05)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-3 Certificates.

(99.06)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-4 Certificates.

(99.07)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-5 Certificates.

(99.08)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-6 Certificates.

(99.09)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-7 Certificates.

(99.10)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1994-8 Certificates.

(99.11)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-1 Certificates.

(99.12)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-2 Certificates.

(99.13)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-3 Certificates.

(99.14)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-4 Certificates.

(99.15)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-5 Certificates.
<PAGE>
 
(99.16)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1995-6 Certificates.

(99.17)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1996-1 Certificates.

(99.18)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1996-2 Certificates.

(99.19)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1996-4 Certificates.

(99.20)  Monthly Certificateholders' Statement of the Trust which contains
         information relating to the Series 1996-6 Certificates.
<PAGE>
 
                                  SIGNATURES



          Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.


                                    FIRST USA BANK
                                    As Servicer



                                    By: /s/ W. Todd Peterson
                                        --------------------
                                            W. Todd Peterson
                                            Vice President



Date:  December 20, 1996
       -----------------

<PAGE>

                                                                   EXHIBIT 99.01
 
                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1992-1

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96


Under Section 5.02 of the Pooling and Servicing Agreement dated as of 
September 1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of
September 1, 1992 (the "Series 1992-1 Supplement") by and between First USA Bank
(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 referenced above and with respect to the performance of the Trust during 
the Collection Period referenced above is set forth below.  Certain information 
is presented on the basis of an original principal amount of $1,000 per Series 
1992-1 Certificate (a "Certificate").  Certain other information is presented 
based on the aggregate amount for the Trust as a whole.  Capitalized terms used 
in this Certificate 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 per $1,000 original 
        certificate principal amount


                              Class A                                $0.00000000
                              Class B                              $502.41666667



    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                                $0.00000000
                              Class B                                $2.41666667
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1992-1
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                                $0.00000000
                              Class B                              $500.00000000


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

    1.  Collection of Principal Receivables.
        -----------------------------------

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

                              Class A                            $30,410,949.99
                              Class B                             $4,151,832.92
                                                          ----------------------
                              Total                              $34,562,782.91
                                                          ======================

    2.  Collection of Finance Charge Receivables.
        ----------------------------------------

        The aggregate amount of Collections of 
        Finance Charge Receivables processed during 
        the Collection Period which were allocated 
        in respect of the Certificates

                              Class A                                     $0.00
                              Class B                               $284,306.32
                                                          ----------------------
                              Total                                 $284,306.32
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the 
             last day of the Collection Period               $17,659,405,838.53



        (b)  Invested Amount as of the last day
             of the Collection Period

                              Class A                                     $0.00
                              Class B                                      0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1992-1
Page 3

        (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 
             set forth in paragraph 3(a) above

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

        (d)  During the Amortization Period: The 
             Invested Amount as of September 30, 1995 
             (the last day of the Revolving Period)

                              Class A                          $308,000,000.00
                              Class B                            42,000,000.00
                                                          ---------------------
                              Total                            $350,000,000.00

        (c)  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                                   1.744%
                              Class B                                   0.238%
                                                          ---------------------
                              Total                                     1.982%

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

        The aggregate amount of outstanding balances    
        in the Accounts which were delinquent as of             Aggregate
        the end of the day on the last day of the                Account 
        Collection Period                                        Balance
                                                          ---------------------

        (a)  35 - 64 days                                       373,199,107.54
        (b)  65 - 94 days                                       213,539,533.95
        (c)  95 - 124 days                                      167,661,548.10
        (d)  125 - 154 days                                     135,545,099.99
        (e)  155 or more days                                   194,904,760.47
                                                          ---------------------
                              Total                          $1,084,850,050.05
                                                          =====================

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

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

                              Class A                                    $0.00
                              Class B                               100,290.73
                                                          ---------------------
                              Total                                $100,290.73
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1992-1
Page 4

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

        (a)  The aggregate amount of Class A and Class B 
             Investor Charge-Offs during the Collection 
             Period

                              Class A                                     $0.00
                              Class B                                      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
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

        (c)  The aggregate amount of Class A and Class B 
             Investor Charge-Offs reimbursed during the 
             Collection Period

                              Class A                                     $0.00
                              Class B                                      0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

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

                              Class A                                     $0.00
                              Class B                                      0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================

    7.  Investor Servicing Fee.
        ----------------------

        The amount of the Investor Monthly Servicing Fee 
        payable by the Trust to the Servicer for the 
        Collection Period

                              Class A                                     $0.00
                              Class B                                 35,000.00
                                                          ----------------------
                              Total                                  $35,000.00

    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Principal Collections 
        applied in respect of Interest Shortfalls, 
        Servicer Fees or Class A Investor Default Amounts 
        for the prior month.                                              $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1992-1
Page 5


    9.  Withdrawals from Cash Collateral Account
        ----------------------------------------
    
        The amount to be withdrawn from Cash Collateral 
        Account on the related Distribution date.                          $0.00



    10. Cash Collateral Amount.
        ----------------------

        The Available Cash Collateral Amount as of the close 
        of business on the related Distribution Date after 
        giving effect to withdrawals, deposits and payments 
        to be made with respect to the Collection Period

                              Total                                      ($0.00)


        The Required Cash Collateral Amount as of the close
        of business on the related Distribution Date after
        giving effect to withdrawals, deposits and payments
        to be made with respect to the Collection Period

                              Total                               $10,500,000.00


    11. Funds on Deposit in Cash Collateral Account
        -------------------------------------------

        The aggregate amount of funds on deposit in the Cash
        Collateral Account pursuant to Section 2.11(a)(vii) 
        of the Amended Loan Agreement on such Distribution 
        Date                                                             ($0.00)


    12. Series 1992-1 Guaranty Amount
        -----------------------------

        (a)  The Available Series 1992-1 Guaranty Amount
             on such Distribution Date                            $10,500,000.00

        (b)  The Required Series 1992-1 Guaranty Amount
             on such Distribution Date                            $10,500,000.00


    13. The Available Series 1992-1 Loan Amount
        ---------------------------------------

        The Available Series 1992-1 Loan Amount
        on such Distribution Date                                          $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1992-1
Page 6


    14. The Pool Factor.
        ---------------
        The Pool Factor (which represents the ratio of the 
        amount of the Investor Interest (taking into 
        account the reduction in the Invested Amount to 
        take place on the related Distribution Date for 
        the Series 1992-1 Certificates) on the last day of 
        the Collection Period 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                               0.00000000
                              Class B                               0.00000000
                                                          ---------------------
                              Total (weighted avg.)                 0.00000000


    15. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period              10.52%


    16. The Base      
        --------

        The Base Rate for the related Monthly period                     7.80%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President


<PAGE>
 
                                                                   EXHIBIT 99.02

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-1

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96


Under Section 5.02 of the Pooling and Servicing Agreement dated as of 
September 1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of
May 1, 1993 (the "Series 1993-1 Supplement") by and between First USA Bank
(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 referenced above and with respect to the performance of the Trust during 
the Collection Period referenced above is set forth below.  Certain information 
is presented on the basis of an original principal amount of $1,000 per Series 
1992-1 Certificate (a "Certificate").  Certain other information is presented 
based on the aggregate amount for the Trust as a whole.  Capitalized terms used 
in this Certificate 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 per $1,000
        original certificate principal amount                        $4.88680556

    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                                 $4.88680556

    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                                 $0.00000000
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1993-1
Page 2                                                                       


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

    1.  Collection of Principal Receivables.
        -----------------------------------

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

                                     Principal Collection Rate    $ Amount
                                ------------------------------------------------
                                                         9.88%    $49,380,692.34


    2.  Collection of Finance Charge Receivables.
        ----------------------------------------  

        The aggregate amount of Collections of Finance Charge
        Receivables processed during the Collection Period
        which were allocated in respect of the Certificates

                                          Finance Charge Yield    $ Amount
                                ------------------------------------------------
             Periodic Finance Charges                   14.70%     $6,125,106.75
             Discount Receivables                        1.56%       $650,404.28
                                                         -----       -----------
               Total                                    16.26%     $6,775,511.03



    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the
             Collection Period                                $17,659,405,838.53

        (b)  Invested Amount as of the last day of the
             Collection Period                                   $500,000,000.00

        (c)  The Invested Amount set forth in paragraph 3(b) 
             above as a percentage of the aggregate amount 
             of Principal Receivables set forth in paragraph 
             3(a) above                                                   2.831%

        (d)  During the amortization Period: The Invested 
             Amount as of ______ (the last day of the 
             Revolving Period)                                               N/A

        (e)  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 (applied with respect to Principal 
             Receivables during the Amortization Period)                     N/A
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1993-1
Page 3                                          

    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 Collection Period
                                                                  Aggregate
                                             % of Total            Account
                                            Outstandings           Balance
                                        ----------------------------------------

        (a)  35 - 64 days                             2.05%      $373,199,107.54
        (b)  65 - 94 days                             1.17%      $213,539,533.95
        (c)  95 - 124 days                            0.92%      $167,661,548.10
        (d)  125 - 154 days                           0.75%      $135,545,099.99
        (e)  155 or more days                         1.08%      $194,904,760.47
                                        ----------------------------------------
                              Total                   5.97%    $1,084,850,050.05
                                        ========================================


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

        The aggregate amount of all defaulted Principal
        Receivables written off as uncollectible during the
        Collection Period allocable to the Invested Amount
        (the "Monthly Investor Default Amount")                    $2,391,045.81


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

        (a)  The aggregate amount of Investor Charge-Offs
             during the Collection Period                                  $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)                $0.00

        (c)  The aggregate amount of Investor Charge-Offs
             reimbursed during the Collection Period                       $0.00

        (d)  The amounts set forth in paragraph 6(c) above, per
             $1,000 original certificate principal amount (which
             will have the effect of increasing, pro rata, the
             amount of each Certificateholder's investment)                $0.00

    7.  Investor Servicing Fee.
        ----------------------

        The amount of the Investor Monthly Servicing Fee payable
        by the Trust to the Servicer for the Collection Period       $625,000.00

    8.  Withdrawal from Cash Collateral Amount.
        --------------------------------------

        The amount to withdrawn from Cash Collateral Account
        on the related Distribution date.                                  $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1993-1
Page 4                                                         

    9.  Cash Collateral Amount.
        ----------------------

        The Available Cash Collateral Amount as of the close 
        of business on the related Distribution Date after 
        giving effect to withdrawals, deposits and payments 
        to be made with respect to the Collection Period

                              Total                               $70,000,000.00

        The Required Cash Collateral Amount as of the close
        of business on the related Distribution Date after
        giving effect to withdrawals, deposits and payments
        to be made with respect to the Collection Period

                              Total                               $70,000,000.00

    11. Funds on Deposit in Cash Collateral Account
        -------------------------------------------

        The aggregate amount of funds on deposit in the Cash
        Collateral Account pursuant to Section 2.11(a)(vii) of 
        the Amended Loan Agreement on such Distribution Date       $5,000,000.00


    12. Series 1993-1 Guaranty Amount
        -----------------------------

        (a)  The Available Series 1993-1 Guaranty Amount
             on such Distribution Date                            $10,000,000.00

        (b)  The Required Series 1993-1 Guaranty Amount
             on such Distribution Date                            $10,000,000.00


    13. The Available Series 1993-1 Loan Amount
        ---------------------------------------

        The Available Series 1993-1 Loan Amount
        on such Distribution Date                                 $55,000,000.00


    14. The Pool Factor.
        ---------------

        The Pool Factor (which represents the ratio of the amount 
        of the Investor Interest on the last day of the Collection 
        Period 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

                                                                      1.00000000
    15. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%


    16. The Base Rate
        -------------

        The Base Rate for the related Monthly period                       7.68%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.03


                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-2

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

Under Section 5.2 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of October 
1, 1993 (the "Series 1993-2 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1993-2 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate 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 per $1,000 
        original certificate principal amount                    $251.18940972

    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                               $1.18940972
    
    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                             $250.00000000

<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1993-2
Page 2


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

    1.  Collection of Principal Receivables.
        ------------------------------------

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

                                      Principal Collection Rate   $ Amount
                                ------------------------------------------------
                                                         19.75%   $49,380,692.34


    2.  Collection of Finance Charge Receivables.
        -----------------------------------------

        The aggregate amount of Collections of Finance Charge
        Receivables processed during the Collection Period
        which were allocated in respect of the Certificates

                                           Finance Charge Yield   $ Amount
                                ------------------------------------------------
             Periodic Finance Charges                    14.70%    $1,531,276.69
             Discount Receivables                         1.56%      $162,601.08
                                                          -----      -----------
               Total                                     16.26%    $1,693,877.77


    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)    The aggregate amount of Principal Receivables
               in the Trust as of the last day of the
               Collection Period                              $17,659,405,838.53

        (b)(1) Invested Amount as of the last day
               of the Collection Period                                    $0.00

           (2) The CCA Amount as of the last day of the
               Collection Period                                           $0.00

        (c)(1) The Floating Investor Percentage: The Invested
               Amount plus the CCA Amount set forth in
               paragraph 3(b) above as a percentage of the
               aggregate amount of Principal Receivables set 
               forth in paragraph 3(a) above (finance charge 
               & defaults)                                                0.000%

           (2) The Floating Investor Percentage: The Invested
               Amount as a percentage of the aggregate amount
               of Principal Receivables (principal 
               collections)                                                  N/A

        (d)    During the Amortization Period: The Invested
               Amount plus the CCA Amount as of July 31, 
               1996 (the last day of the Revolving Period)       $500,000,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1993-2
Page 3

        (e)  The Fixed/Floating Allocation Percentage: The
             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                2.831%


    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 Collection Period            
                                                                  Aggregate
                                             % of Total            Account
                                            Outstandings           Balance
                                        ----------------------------------------

        (a)  35 - 64 days                             2.05%      $373,199,107.54
        (b)  65 - 94 days                             1.17%      $213,539,533.95
        (c)  95 - 124 days                            0.92%      $167,661,548.10
        (d)  125 - 154 days                           0.75%      $135,545,099.99
        (e)  155 or more days                         1.08%      $194,904,760.47
                                        ----------------------------------------
                              Total                   5.97%    $1,084,850,050.05
                                        ========================================

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

        (a)  The aggregate amount of all defaulted Principal
             Receivables written off as uncollectible during the
             Collection Period allocable to the Invested Amount
             Amount (the "Monthly Investor Default 
             Amount")                                                $597,761.45

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

        (a)  The aggregate amount of Investor Charge-Offs
             during the Collection Period                                  $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)                                                   $0.00

        (c)  The aggregate amount of Investor Charge-
             Offs reimbursed  on the Transfer Date                         $0.00

        (d)  The amount 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)                               $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1993-2
Page 4


    7.  Investor Servicing Fee.
        -----------------------

        The amount of the Investor Monthly Servicing Fee payable 
        by the Trust to the Servicer for the Collection Period       $156,250.00



    8.  Withdrawal from Cash Collateral Amount.
        ---------------------------------------

        The amount to withdrawn from Cash Collateral Account 
        on the related Distribution date.                                  $0.00



    9.  Cash Collateral Amount.
        -----------------------

        The Available Cash Collateral Amount as of the close
        of business on the related Distribution Date after
        giving effect to withdrawals, deposits and payments
        to be made with respect to the Collection Period

                              Total                               $10,000,000.00

        The Required Cash Collateral Amount as of the close
        of business on the related Distribution Date after
        giving effect to withdrawals, deposits and payments
        to be made with respect to the Collection Period

                              Total                               $10,000,000.00


    10. Funds on Deposit in Cash Collateral Account
        -------------------------------------------

        The aggregate amount of funds on deposit in the Cash
        Collateral Account pursuant to Section 2.11(a)(viii) 
        of the Amended Loan Agreement on such Distribution Date            $0.00



    11. Series 1993-2 Guaranty Amount
        -----------------------------

        (a)  The Available Series 1993-2 Guaranty Amount
             on such Distribution Date                            $10,000,000.00

        (b)  The Required Series 1993-2 Guaranty Amount
             on such Distribution Date                            $10,000,000.00

<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1993-2
Page 5


    12. The Available Series 1993-2 Loan Amount
        ---------------------------------------

        The Available Series 1993-2 Loan Amount
        on such Distribution Date                                         $0.00

    13. The Economic Payout Amount
        --------------------------

        The Economic Payout Amount, if any, for such
        Distribution Date                                                 $0.00

    14. The Pool Factor.
        ----------------

        The Pool Factor (which represents the ratio of the 
        amount of the Investor Interest on the last day of 
        the Collection Period 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.

                                                                      0.00000000

    15. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%


    16. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.53%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>

                                                                   EXHIBIT 99.04
 
                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-3

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

Under section 5.2 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of October
1, 1993 (the "Series 1993-3 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during 
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1993-3 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate have their respective meaning set forth in the Pooling and
Servicing Agreement.


A.  Information Regarding the Current Monthly Distribution.
    ------------------------------------------------------
    
    1.  The total amount of the distribution 
        to Certificateholders per $1,000
        original certificate principal amount                      $4.84375000

    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                                                     $4.84375000

    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                               $0.00000000
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1993-3
Page 2


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

    1.  Collection of Principal Receivables.
        -----------------------------------

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

                                    Principal Collection Rate     $Amount
                          ------------------------------------------------------
                                                        9.88%     $74,071,038.57


    2.  Collection of Finance Charge Receivables.
        -----------------------------------------

        The aggregate amount of Collections of Finance Charge
        Receivables processed during the Collection Period
        which were allocated in respect of the Certificates

                                         Finance Charge Yield     $Amount
                          ------------------------------------------------------
                Periodic Finance Charges               14.70%      $9,187,660.15
                Discount Receivables                    1.56%        $975,606.37
                                                       -----         -----------
                  Total                                16.26%     $10,163,266.52


    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)     The aggregate amount of Principal 
                Receivables in the Trust as of the 
                last day of the Collection Period             $17,659,405,838.53

        (b)(1)  Invested Amount as of the last day
                of the Collection Period                         $750,000,000.00

           (2)  The CCA Amount as of the last day of the
                Collection Period                                          $0.00

        (c)(1)  The Floating Investor Percentage: The 
                Invested Amount plus the CCA Amount set 
                forth in paragraph 3(b) above as a 
                percentage of the aggregate amount of 
                Principal Receivables set forth in 
                paragraph 3(a) above (finance charge & 
                defaults)                                                 4.247%

            (2) The Floating Investor Percentage: The Invested
                Amount as a percentage of the aggregate amount
                of Principal Receivables (principal collections)          4.247%

        (d)     During the Amortization Period: The Invested
                Amount plus the CCA Amount as of _______
                (the last day of the Revolving Period)                       N/A
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1993-3
Page 3

        (e)     The Fixed/Floating Allocation Percentage: The 
                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               N/A

    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 Collection Period                   Aggregate
                                                % of Total          Account
                                                Outstandings        Balance
                                           -------------------------------------

        (a)     35 - 64 days                          2.05%      $373,199,107.54
        (b)     65 - 94 days                          1.17%      $213,539,533.95
        (c)     95 - 124 days                         0.92%      $167,661,548.10
        (d)     125 - 154 days                        0.75%      $135,545,099.99
        (e)     155 or more days                      1.08%      $194,904,760.47
                                           -------------------------------------
                                    Total             5.97%    $1,084,850,050.05
                                           =====================================

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

        (a)     The aggregate amount of all defaulted Principal
                Receivables written off as uncollectible during 
                the Collection Period allocable to the Invested 
                Amount (the "Monthly Investor Default
                Amount")                                           $3,586,568.71



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

        (a)     The aggregate amount of Investor Charge-Offs               $0.00
                during the Collection Period

        (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)         $0.00

        (c)     The aggregate amount of Investor Charge-
                Offs reimbursed on the Transfer Date                       $0.00

        (d)     The amount 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)                            $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1993-3
Page 4


    7.  Investor Servicing Fee.
        -----------------------

        The amount of the Investor Monthly Servicing Fee payable
        by the Trust to the Servicer for the Collection Period       $937,500.00


    8.  Withdrawal from Cash Collateral Account.
        ---------------------------------------

        The amount to be withdrawn from Cash Collateral Account
        on the related Distribution date.                                  $0.00


    9.  Cash Collateral Amount.
        ----------------------

        The Available Cash Collateral Amount as of the close 
        of business on the related Distribution Date after 
        giving effect to withdrawals, deposits and payments 
        to be made with respect to the Collection Period

                              Total                               $97,500,000.00


        The Required Cash Collateral Amount as of the close
        of business on the related Distribution Date after
        giving effect to withdrawals, deposits and payments
        to be made with respect to the Collection Period

                              Total                               $97,500,000.00


    10. Funds on Deposit in Cash Collateral Account
        -------------------------------------------

        The aggregate amount of funds on deposit in the Cash
        Collateral Account pursuant to Section 2.11(a)(viii) 
        of the Amended Loan Agreement on such Distribution Date    $7,500,000.00


    11. Series 1993-3 Guaranty Amount
        -----------------------------

        (a)  The Available Series 1993-3 Guaranty Amount
             on such Distribution Date                            $15,000,000.00

        (b)  The Required Series 1993-3 Guaranty Amount
             on such Distribution Date                            $15,000,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                             Series 1993-3
Page 5



    12. The Available Series 1993-3 Loan Amount
        ---------------------------------------

        The Available Series 1993-3 Loan Amount
        on such Distribution Date                                 $75,000,000.00


    13. The Economic Payout Amount
        --------------------------

        The Economic Payout Amount, if any, for such
        Distribution Date                                                  $0.00


    14. The Pool Factor.
        ----------------

        The Pool Factor (which represents the ratio of the amount 
        of the Investor Interest on the last day of the Collection 
        Period 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
                                                                      1.00000000
    15. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%


    16. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.63%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.05

                     [LETTERHEAD OF FIRST USA APPEARS HERE]




                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-3

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 referenced above and with respect to the performance of
the Trust during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-3 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                                $4.81791667
                              Class B                                 4.97291667
                              Collateral Inv. Amt.                    5.15375016
                                                          ----------------------
                              Total (weighted avg.)                  $4.86002502

    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                                $4.81791667
                              Class B                                 4.97291667
                              Collateral Inv. Amt.                    5.15375016
                                                          ----------------------
                              Total (weighted avg.)                  $4.86002502
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-3
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                               $0.00000000
                               Class B                                0.00000000
                               Collateral Inv. Amt.                   0.00000000
                                                          ----------------------
                               Total                                 $0.00000000
                                                          ======================

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                             $52,569,482.76
                              Class B                               3,418,696.02
                              Collateral Inv. Amt.                  6,223,835.09
                                                          ----------------------
                              Total                               $62,212,013.87
                                                          ======================

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

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

                              Class A                              $7,213,003.04
                              Class B                                 469,485.40
                              Collateral Inv. Amt.                    853,609.83
                                                          ----------------------
                              Total                                $8,536,098.27
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)     The aggregate amount of Principal 
                Receivables in the Trust as of the 
                last day of the Monthly Period                $17,659,405,838.53


        (b)     Invested Amount as of the last day
                of the Monthly Period

                              Class A                            $532,350,000.00
                              Class B                              34,650,000.00
                              Collateral Inv. Amt.                 63,000,000.00
                                                          ----------------------
                              Total                              $630,000,000.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-3
Page 3

        (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 set forth in 
             paragraph 3(a) above

                              Class A                                     3.015%
                              Class B                                     0.196%
                              Collateral Inv. Amt.                        0.357%
                                                          ----------------------
                              Total                                       3.568%

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

                              Class A                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.

        (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                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.


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

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

        (a)  35 - 64 days                                        $373,199,107.54
        (b)  65 - 94 days                                         213,539,533.95
        (c)  95 - 124 days                                        167,661,548.10
        (d)  125 - 154 days                                       135,545,099.99
        (e)  155 - 184 days                                       106,741,371.05
        (e)  185 or more days                                      88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1994-3
Page 4

    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                              $2,545,411.20
                              Class B                                 165,677.65
                              Collateral Inv. Amt.                    301,232.10
                                                          ----------------------
                              Total                                $3,012,320.95
                                                          ======================

        (b)  The amount set forth in paragraph 5(a) above 
             in respect of the Monthly Investor Default 
             Amount, per $1,000 interest

                              Class A                                      $4.78
                              Class B                                       4.78
                              Collateral Inv. Amt.                          4.78
                                                          ----------------------
                              Total                                        $4.78
                                                          ======================


    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 Collateral Invested 
             Amount 

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                          Series 1994-3
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 Collateral Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                             -------------------
                              Total                                       $0.00
                                                             ===================

        (d)     The amount 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
                              Collateral Inv. Amt.                         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                               $665,437.50
                              Class B                                 43,312.50
                        Remaining Servicing Fee                       78,750.00
                                                             -------------------
                              Total                                 $787,500.00
                                                             ===================

        (b)     The amount set forth in paragraph 7(a) above, 
                per $1,000 interest

                              Class A                               $1.25000000
                              Class B                                1.25000000
                        Remaining Servicing Fee                      1.25000000
                                                             -------------------
                              Total                                 $1.25000000
                                                             ===================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         0.00
                                                             -------------------
                              Total                                       $0.00
                                                             ===================
<PAGE>
 
                                                                 Series 1994-3
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Page 6

    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            $63,000,000.00


        (b)     The Required 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            $63,000,000.00



    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 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 (weighted avg.)                  1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the Related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the Related Monthly Period                       7.61%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                 EXHIBIT 99.06


                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                ------------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4

                ------------------------------------------------

                Monthly Period:                  11/01/96 to
                                                 11/30/96
                Distribution Date:               12/16/96
                Transfer Date:                   12/13/96


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 
(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 the Trust 
during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-4 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                              $4.94708333
                              Class B                               5.12791667
                              Collateral Inv. Amt.                  5.25815966
                                                          ---------------------
                              Total (weighted avg.)                $4.98994513

    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                              $4.94708333
                              Class B                               5.12791667
                              Collateral Inv. Amt.                  5.25815966
                                                          ---------------------
                              Total (weighted avg.)                $4.98994513
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1994-4
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                                $0.00000000
                              Class B                                 0.00000000
                              Collateral Inv. Amt.                    0.00000000
                                                          ----------------------
                              Total                                  $0.00000000
                                                          ======================
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                             $71,734,965.07
                              Class B                               5,583,941.02
                              Collateral Inv. Amt.                  8,594,074.32
                                                          ----------------------
                              Total                               $85,912,980.41
                                                          ======================

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

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

                              Class A                              $9,843,055.10
                              Class B                                 766,225.85
                              Collateral Inv. Amt.                  1,178,809.00
                                                          ----------------------
                              Total                               $11,788,089.95
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables
             in the Trust as of the last day of the 
             Monthly Period                                   $17,659,405,838.53


        (b)  Invested Amount as of the last day 
             of the Monthly Period

                              Class A                            $726,450,000.00
                              Class B                              56,550,000.00
                              Collateral Inv. Amt.                 87,000,000.00
                                                          ----------------------
                              Total                              $870,000,000.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-4
Page 3

        (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 set forth 
             in paragraph 3(a) above

                              Class A                                 4.114%
                              Class B                                 0.320%
                              Collateral Inv. Amt.                    0.493%
                                                        ---------------------
                              Total                                   4.927%

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

                              Class A                                   N.A.
                              Class B                                   N.A.
                              Collateral Inv. Amt.                      N.A.
                                                        ---------------------
                              Total                                     N.A.

        (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                                   N.A.
                              Class B                                   N.A.
                              Collateral Inv. Amt.                      N.A.
                                                        ---------------------
                              Total                                     N.A.


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

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

        (a)  35 - 64 days                                    $373,199,107.54
        (b)  65 - 94 days                                     213,539,533.95
        (c)  95 - 124 days                                    167,661,548.10
        (d)  125 - 154 days                                   135,545,099.99
        (e)  155 - 184 days                                   106,741,371.05
        (f)  185 or more days                                  88,163,389.42
                                                        ---------------------
                              Total                        $1,084,850,050.05
                                                        =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-4
Page 4


    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                              $3,473,594.77
                              Class B                                 270,399.59
                              Collateral Inv. Amt.                    415,999.37
                                                          ----------------------
                              Total                                $4,159,993.73
                                                          ======================

        (b)  The amount set forth in paragraph 5(a) above 
             in respect of the Monthly Investor Default 
             Amount, per original $1,000 interest

                              Class A                                      $4.78
                              Class B                                       4.78
                              Collateral Inv. Amt.                          4.78
                                                          ----------------------
                              Total                                        $4.78
                                                          ======================


    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 Collateral Invested 
             Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-4
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 Collateral Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


        (d)  The amount 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
                              Collateral Inv. Amt.                          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                                $908,062.50
                              Class B                                  70,687.50
                      Remaining Servicing Fee                         108,750.00
                                                          ----------------------
                              Total                                $1,087,500.00
                                                          ======================


        (b)  The amount set forth in paragraph 7(a) above, 
             per $1,000 interest

                              Class A                                 1.25000000
                              Class B                                 1.25000000
                      Remaining Servicing Fee                         1.25000000
                                                          ----------------------
                              Total                                   1.25000000
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-4
Page 6

    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
                                                                  $87,000,000.00

        (b)  The Required 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

                                                                  $87,000,000.00

    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 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 (weighted avg.)                   1.00000000


    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the Related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the Related Monthly Period                       7.76%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                 EXHIBIT 99.07


                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-5

                -----------------------------------------------

                Monthly Period:                  11/01/96 to
                                                 11/30/96
                Distribution Date:               12/16/96
                Transfer Date:                   12/13/96


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 
(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 1994-5 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 per $1,000 original 
        certificate principal amount

                              Class A                              $4.74902778
                              Class B                               4.92125000
                              Collateral Inv. Amt.                  5.27430561
                                                         ----------------------
                              Total (weighted avg.)                $4.81537469


    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                              $4.74902778
                              Class B                               4.92125000
                              Collateral Inv. Amt.                  5.27430561
                                                         ----------------------
                              Total (weighted avg.)                $4.81537469
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-5
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                                $0.00000000
                              Class B                                 0.00000000
                              Collateral Inv. Amt.                    0.00000000
                                                          ----------------------
                              Total                                  $0.00000000
                                                          ======================

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                             $49,380,692.34
                              Class B                               3,870,678.73
                              Collateral Inv. Amt.                  6,240,917.94
                                                          ----------------------
                              Total                               $59,492,289.01
                                                          ======================

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

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

                              Class A                              $6,775,223.38
                              Class B                                 530,635.49
                              Collateral Inv. Amt.                    857,065.76
                                                          ----------------------
                              Total                                $8,162,924.63
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the  last day of the 
             Monthly Period
                                                              $17,659,405,838.53


        (b)  Invested Amount as of the last day of the 
             Monthly Period

                              Class A                            $500,000,000.00
                              Class B                              39,160,000.00
                              Collateral Inv. Amt.                 63,250,000.00
                                                          ----------------------
                              Total                              $602,410,000.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-5
Page 3

        (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                                   2.831%
                              Class B                                   0.222%
                              Collateral Inv. Amt.                      0.358%
                                                          ---------------------
                              Total                                     3.411% 

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

                              Class A                                     N.A. 
                              Class B                                     N.A. 
                              Collateral Inv. Amt.                        N.A. 
                                                          ---------------------
                              Total                                       N.A. 

        (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                                     N.A.
                              Class B                                     N.A.
                              Collateral Inv. Amt.                        N.A.
                                                          ---------------------
                              Total                                       N.A. 
 

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

        The aggregate amount of outstanding                                  
        balances in the Accounts which were                       Aggregate
        delinquent as of the end of the                            Account
        day on the last day of the Monthly Period                  Balance
                                                          --------------------- 
        (a)  35 - 64 days                                      $373,199,107.54
        (b)  65 - 94 days                                       213,539,533.95
        (c)  95 - 124 days                                      167,661,548.10
        (d)  125 - 154 days                                     135,545,099.99
        (e)  155 - 184 days                                     106,741,371.05
        (f)  185 or more days                                    88,163,389.42
                                                          --------------------- 
                              Total                          $1,084,850,050.05
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-5
Page 4

   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                            $2,390,925.65
                              Class B                               187,257.30
                              Collateral Inv. Amt.                  302,452.09
                                                          ---------------------
                              Total                              $2,880,635.04
                                                          =====================
  
       (b)  The amount set forth in paragraph 5(a) 
            above in respect of the Monthly Investor 
            Default Amount, per original $1,000 
            interest
                              Class A                                    $4.78
                              Class B                                     4.78
                              Collateral Inv. Amt.                        4.78
                                                          ---------------------
                              Total                                      $4.78
                                                          =====================
  
  
   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 Collateral 
            Invested Amount
  
                              Class A                                    $0.00
                              Class B                                     0.00
                              Collateral Inv. Amt.                        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
                              Collateral Inv. Amt.                        0.00
                                                          ---------------------
                              Total                                      $0.00
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-5
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 Collateral 
             Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                          --------------------- 
                              Total                                       $0.00
                                                          =====================


        (d)  The amount 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
                              Collateral Inv. Amt.                         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                               $625,000.00
                              Class B                                 48,950.00
                       Remaining Servicing Fee                        79,062.50
                                                          --------------------- 
                              Total                                 $753,012.50
                                                          =====================


        (b)  The amount set forth in paragraph 7(a) above, 
             per $1,000 interest

                              Class A                               $1.25000000
                              Class B                                1.25000000
                       Remaining Servicing Fee                       1.25000000
                                                          --------------------- 
                              Total                                 $1.25000000 
                                                          =====================

    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         0.00
                                                          --------------------- 
                              Total                                       $0.00
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-5
Page 6

    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         $63,250,000.00


        (b)  The Required 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         $63,250,000.00


    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 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 (weighted avg.)                1.00000000


    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period              10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                     7.53%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.08

                                                                      

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6

                -----------------------------------------------

                Monthly Period:                  11/01/96 to
                                                 11/30/96
                Distribution Date:               12/16/96
                Transfer Date:                   12/13/96

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 
(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.

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                               $4.92986111
                              Class B                                5.12791675
                              Collateral Inv. Amt.                   5.38194444
                                                              ------------------
                              Total (weighted avg.)                 $4.98794240

    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                               $4.92986111
                              Class B                                5.12791675
                              Collateral Inv. Amt.                   5.38194444
                                                              ------------------
                              Total (weighted avg.)                 $4.98794240
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-6
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                               $0.00000000
                              Class B                                0.00000000
                              Collateral Inv. Amt.                   0.00000000
                                                              ------------------
                              Total                                 $0.00000000
                                                              ==================
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                            $74,071,038.57
                              Class B                              5,771,852.36
                              Collateral Inv. Amt.                 8,875,228.51
                                                              ------------------
                              Total                              $88,718,119.44
                                                              ==================

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

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

                              Class A                            $10,164,485.42
                              Class B                                791,203.55
                              Collateral Inv. Amt.                 1,217,298.78
                                                              ------------------
                              Total                              $12,172,987.75
                                                              ==================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the 
             last day of the Monthly Period
                                                             $17,659,405,838.53


        (b)  Invested Amount as of the last day
             of the Monthly Period.

                              Class A                           $750,000,000.00
                              Class B                             58,380,000.00
                              Collateral Inv. Amt.                89,820,000.00
                                                              ------------------
                              Total                             $898,200,000.00
                                                              ==================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-6
Page 3

        (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                                     4.247%
                              Class B                                     0.331%
                              Collateral Inv. Amt.                        0.509%
                                                          ----------------------
                              Total                                       5.087%

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

                              Class A                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.

        (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                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.


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

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

        (a)  35 - 64 days                                        $373,199,107.54
        (b)  65 - 94 days                                         213,539,533.95
        (c)  95 - 124 days                                        167,661,548.10
        (d)  125 - 154 days                                       135,545,099.99
        (e)  155 - 184 days                                       106,741,371.05
        (f)  185 or more days                                      88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-6
Page 4

    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                             $3,587,001.82
                              Class B                                279,212.22
                              Collateral Inv. Amt.                   429,579.34
                                                             -------------------
                              Total                               $4,295,793.38
                                                             ===================
                                                             
        (b)  The amount set forth in paragraph 5(a)          
             above  in respect of the Monthly Investor       
             Default  Amount, per original $1,000 interest   
                                                             
                              Class A                                     $4.78
                              Class B                                      4.78
                              Collateral Inv. Amt.                         4.78
                                                             -------------------
                              Total                                       $4.78
                                                             ===================


    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 Collateral 
             Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         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
                              Collateral Inv. Amt.                         0.00
                                                             -------------------
                              Total                                       $0.00
                                                             ===================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-6
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 Collateral Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================


        (d)  The amount 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
                              Collateral Inv. Amt.                         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                               $937,500.00
                              Class B                                $72,975.00
                      Remaining Servicing Fee                       $112,275.00
                                                          ----------------------
                              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
                      Remaining Servicing Fee                        1.25000000
                                                          ----------------------
                              Total                                 $1.25000000
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-6
Page 6

    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 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



   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 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 (weighted avg.)                 1.00000000


   11.  The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period              10.52%

   12.  The Base Rate
        -------------

        The Base Rate for the related Monthly Period                     7.74%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.09


                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-7

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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
(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 1994-7 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                                $4.78347223
                              Class B                                 4.97291666
                              Collateral Inv. Amt.                    5.10208337
                                                          ----------------------
                              Total (weighted avg.)                  $4.82924044

    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                                $4.78347223
                              Class B                                 4.97291666
                              Collateral Inv. Amt.                    5.10208337
                                                          ----------------------
                              Total (weighted avg.)                  $4.82924044
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
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                               $0.00000000
                              Class B                                0.00000000
                              Collateral Inv. Amt.                   0.00000000
                                                          ----------------------
                              Total                                 $0.00000000

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                            $74,071,038.53
                              Class B                              5,806,018.10
                              Collateral Inv. Amt.                 9,369,205.50
                                                          ----------------------
                              Total                              $89,246,262.13
                                                          ======================

    2.  Allocation of Finance Charge Receivables.
        -----------------------------------------
 
        (a)  The aggregate amount of Allocations of 
             Finance Charge Receivables processed during 
             the Monthly Period which were allocated in 
             respect of the Certificates

                              Class A                            $10,163,710.25
                              Class B                                795,954.03
                              Collateral Inv. Amt.                 1,285,777.11
                                                          ----------------------
                              Total                              $12,245,441.39
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                   N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                   N/A
                                                          ----------------------
               Class A Available Funds                           $10,163,710.25
                                                          ======================


    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period
                                                             $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
Page 3

        (b)  Invested Amount as of the last day of the 
             preceding month (Adjusted Class A Invested 
             Amount during Accumulation Period)
 
                              Class A                           $750,000,000.00
                              Class B                             58,735,000.00
                              Collateral Inv. Amt.                94,880,000.00
                                                          ----------------------
                              Total                             $903,615,000.00
                                                          ======================
             
        (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                                    4.247%
                              Class B                                    0.333%
                              Collateral Inv. Amt.                       0.537%
                                                          ----------------------
                              Total                                      5.117%

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

                              Class A                                      N.A.
                              Class B                                      N.A.
                              Collateral Inv. Amt.                         N.A.
                                                          ----------------------
                              Total                                        N.A.
             
        (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                                      N.A.
                              Class B                                      N.A.
                              Collateral Inv. Amt.                         N.A.
                                                          ----------------------
                              Total                                        N.A.

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

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

        (a)  35 - 64 days                                       $373,199,107.54
        (b)  65 - 94 days                                        213,539,533.95
        (c)  95 - 124 days                                       167,661,548.10
        (d)  125 - 154 days                                      135,545,099.99
        (e)  155 - 184 days                                      106,741,371.05
        (f)  185 or more days                                     88,163,389.42
                                                          ----------------------
                              Total                           $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
Page 4

    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                             $3,586,784.18
                              Class B                                280,893.03
                              Collateral Inv. Amt.                   453,752.11
                                                          ----------------------
                              Total                               $4,321,429.32
                                                          ======================

        (b)  The amount set forth in paragraph 5(a) 
             above in respect of the Monthly Investor 
             Default Amount, per original $1,000 interest

                              Class A                                     $4.78
                              Class B                                      4.78
                              Collateral Inv. Amt.                         4.78
                                                          ----------------------
                              Total                                       $4.78
                                                          ======================


    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 Collateral 
             Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         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
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
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 Collateral Invested Amount

                              Class A                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================


        (d)  The amount 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
                              Collateral Inv. Amt.                         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                               $937,500.00
                              Class B                                 73,418.75
                              Collateral Inv. Amt.                   118,600.00
                                                          ----------------------
                              Total                               $1,129,518.75
                                                          ======================


        (b)  The amount set forth in paragraph 7(a) 
             above, per $1,000 interest

                              Class A                               $1.25000000
                              Class B                                1.25000000
                              Collateral Inv. Amt.                   1.25000000
                                                          ----------------------
                              Total                                 $1.25000000
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
Page 6

    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                   $94,880,000.00

        (b)  The Required 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                   $94,880,000.00

   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 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 (weighted avg.)                  1.00000000

   11.  The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period               10.52%

   12.  The Base Rate
        -------------

        The Base Rate for the related Monthly Period                      7.57%



C.  Information Regarding the Principal Funding Account
    ---------------------------------------------------
    
    1.  Accumulation Period
        -------------------

        (a)  Accumulation Period commencement date                     10/31/98
             
        (b)  Accumulation Period Length (months)                              1
             
        (c)  Accumulation Period Factor                                   17.68
             
        (d)  Required Accumulation Factor Number                             11
             
        (e)  Controlled Accumulation Amount                     $750,000,000.00
            
        (f)  Minimum Payment Rate (last 12 months)                        9.54%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
Page 7


    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                                     N/A

        Less:   The amount deposited into the Principal 
                Funding Account for the Previous
                Monthly Period                                              N/A
                                                          ----------------------
                Accumulation Shortfall                                      N/A
                                                          ======================
                Aggregate Accumulation Shortfalls                           N/A
                                                          ======================


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

                Covered Amount                                              N/A

        Less:   Principal Funding Investment Proceeds                       N/A
                                                          ----------------------
                Principal Funding Investment Shortfall                      N/A
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1994-7
Page 8



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

    1.  Required Reserve Account Analysis

        (a)  Required Reserve Account Amount percentage
             (0.5% of Class A Invested Amount or other amount
             designated by Transferor)                                     0.00%
             
        (b)  Required Reserve Account Amount ($)                           $0.00
             
        (c)  Required Reserve Account Balance after effect of              $0.00
             any transfers on the Related Transfer Date
             
        (d)  Reserve Draw Amount transferred to the Finance
             Charge Account on the Related Transfer Date                   $0.00


    2.  Reserve Account Investment Proceeds
        -----------------------------------
  
        Reserve Account Investment Proceeds transferred to the
        Finance Charge Account on the Related Transfer Date                  N/A


    3.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related Mthly Period          3.80%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.10

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 
1994-8 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 Distribution.
    -----------------------------------------------

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

                              Class A (quarterly)                    $0.00000000
                              Class B (quarterly)                     0.00000000
                              Collateral Inv. Amt.                    5.21402779


    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 (quarterly)                    $0.00000000
                              Class B (quarterly)                    $0.00000000
                              Collateral Inv. Amt.                    5.21402779
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-8
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 (quarterly)                   $0.00000000
                              Class B (quarterly)                    0.00000000
                              Collateral Inv. Amt.                   0.00000000


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                            $49,380,692.34
                              Class B                              3,870,678.73
                              Collateral Inv. Amt.                 6,240,917.94
                                                          ----------------------
                              Total                              $59,492,289.01
                                                          ======================

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

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

                              Class A                             $6,775,223.38
                              Class B                                530,594.84
                              Collateral Inv. Amt.                   857,106.41
                                                          ----------------------
                              Total                               $8,162,924.63
                                                          ======================

        (b)  Interest Funding Investment Proceeds 
             (to Class A)                                                  0.00
        (c)  Principal Funding Investment Proceeds 
             (to Class A)                                                  0.00
        (d)  Withdrawals from Reserve Account 
             (to Class A)                                                  0.00
                                                          ----------------------
              Total Class A Available Funds                       $6,775,223.38
                                                          ======================

        (b)  Interest Funding Investment Proceeds 
             (to Class B)                                                  0.00
                                                          ----------------------
              Total Class B F/C and Investment Proceeds             $530,594.84
                                                          ======================


    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period
                                                             $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1994-8
Page 3

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

                              Class A                            $500,000,000.00
                              Class B                              39,157,000.00
                              Collateral Inv. Amt.                 63,253,000.00
                                                          ----------------------
                              Total                              $602,410,000.00
                                                          ======================

        (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                                     2.831%
                              Class B                                     0.222%
                              Collateral Inv. Amt.                        0.358%
                                                          ----------------------
                              Total                                       3.411%

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

                              Class A                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.

        (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                                       N.A.
                              Class B                                       N.A.
                              Collateral Inv. Amt.                          N.A.
                                                          ----------------------
                              Total                                         N.A.

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

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

        (a)  35 - 64 days                                        $373,199,107.54
        (b)  65 - 94 days                                         213,539,533.95
        (c)  95 - 124 days                                        167,661,548.10
        (d)  125 - 154 days                                       135,545,099.99
        (e)  155 - 184 days                                       106,741,371.05
        (f)  185 or more days                                      88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-8
Page 4

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

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

                              Class A                              $2,390,925.65
                              Class B                                $187,242.95
                              Collateral Inv. Amt.                   $302,466.44
                                                          ----------------------
                              Total                                $2,880,635.04
                                                          ======================

        (b)  The amount set forth in paragraph 5(a) above 
             in respect of the Monthly Investor Default 
             Amount, per original $1,000 interest

                              Class A                                      $4.78
                              Class B                                       4.78
                              Collateral Inv. Amt.                          4.78
                                                          ----------------------
                              Total                                        $4.78
                                                          ======================


    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 Collateral Invested 
             Amount
                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-8
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 Collateral Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


        (d)  The amount 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
                              Collateral Inv. Amt.                          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                                $625,000.00
                              Class B                                 $48,946.25
                              Collateral Inv. Amt.                    $79,066.25
                                                          ----------------------
                              Total                                  $753,012.50
                                                          ======================


        (b)  The amount set forth in paragraph 7(a) above, 
             per $1,000 interest

                              Class A                                $1.25000000
                              Class B                                 1.25000000
                              Collateral Inv. Amt.                    1.25000000
                                                          ----------------------
                              Total                                  $1.25000000
                                                          ======================

    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1994-8
Page 6

    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             $63,253,000.00

        (b)   The Required 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                  $63,253,000.00

    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 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 (weighted avg.)                  1.00000000

    11. The Portfolio Yield
        -------------------
    
        The Portfolio Yield for the related Monthly Period               10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                      7.76%



C.  Information Regarding the Interest Funding Account
    --------------------------------------------------

    Beginning Balance         (Class A)                                   $0.00
        Plus: Interest for Related Monthly Period from 
              Finance Charge Account                               2,471,388.89
        Plus: Interest on Interest 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            (Class A)                           $2,471,388.89
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-8
Page 7


    Beginning Balance         (Class B)                                   $0.00
        Plus: Interest for Related Monthly Period from 
              Finance Charge Account                                 200,625.24
        Plus: Interest on Interest 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            (Class B)                             $200,625.24

D.  Information Regarding the Principal Funding Account
    ---------------------------------------------------

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                    10/31/00

        (b)   Accumulation Period length                                      2

        (c)   Accumulation Period Factor                                   6.74

        (d)   Required Accumulation Factor Number                            11

        (e)   Controlled Accumulation Amount                    $306,363,636.36

        (f)   Minimum Payment Rate (last 12 months)                       9.54%

    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                                       N/A

        Less: The amount deposited into the Principal 
              Funding Account for the previous Monthly 
              Period                                                        N/A
                                                          ----------------------

              Accumulation Shortfall for previous Monthly 
              Period                                                        N/A
                                                          ======================

              Aggregate Accumulation Shortfalls                             N/A
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1994-8
Page 8


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

              Covered Amount                                                 N/A
                                                             
        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------

              Principal Funding Investment Shortfall                         N/A


E.  Information Regarding the Reserve Account
    -----------------------------------------

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                             0.00%

        (b)   Required Reserve Account Amount ($)                          $0.00

        (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

    2.  Reserve Account Investment Proceeds
        -----------------------------------

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


    3.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related Mthly 
        Period                                                             3.68%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.11

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-1

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 
1995-1 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                                $4.74902778
                              Class B                                 4.92986117
                              Collateral Inv. Amt.                    5.13652775
                                                          ----------------------
                              Total (weighted avg.)                  $4.80146636

    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                                $4.74902778
                              Class B                                $4.92986117
                              Collateral Inv. Amt.                   $5.13652775
                                                          ----------------------
                              Total (weighted avg.)                  $4.80146636
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1995-1
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                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00

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                             $98,761,384.72
                              Class B                               7,732,103.17
                              Collateral Inv. Amt.                 12,489,664.46
                                                          ----------------------
                              Total                              $118,983,152.35
                                                          ======================

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

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

                              Class A                             $13,550,475.89
                              Class B                               1,061,002.26
                              Collateral Inv. Amt.                  1,714,135.20
                                                          ----------------------
                              Total                               $16,325,613.35
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                    N/A
                                                          ----------------------
              Class A Available Funds                             $13,550,475.89
                                                          ======================



    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period

                                                              $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1995-1
Page 3

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

                              Class A                          $1,000,000,000.00
                              Class B                              78,300,000.00
                              Collateral Inv. Amt.                126,500,000.00
                                                          ----------------------
                              Total                            $1,204,800,000.00

        (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                                     5.663%
                              Class B                                     0.443%
                              Collateral Inv. Amt.                        0.716%
                                                          ----------------------
                              Total                                       6.822%

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

                              Class A                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

    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                                        $373,199,107.54
        (b)  65 - 94 days                                         213,539,533.95
        (c)  95 - 124 days                                        167,661,548.10
        (d)  125 - 154 days                                       135,545,099.99
        (e)  155 - 184 days                                       106,741,371.05
        (f)  185 or more days                                      88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                       Series 1995-1
Page 4

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

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

                              Class A                              $4,782,039.23
                              Class B                                 374,433.67
                              Collateral Inv. Amt.                    604,927.96
                                                          ----------------------
                              Total                                $5,761,400.86
                                                          ======================


    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 Collateral Invested 
             Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                       Series 1995-1
Page 5


        (d)  The amount 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
                              Collateral Inv. Amt.                          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                              $1,250,000.00
                              Class B                                  97,875.00
                              Collateral Inv. Amt.                    158,125.00
                                                          ----------------------
                              Total                                $1,506,000.00
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


    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
                                                                 $126,500,000.00

        (b)  The Required 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
                                                                 $126,500,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                       Series 1995-1
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.58%




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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     01/31/99

        (b)   Accumulation Period length (months)                              2

        (c)   Accumulation Period Factor                                    8.17

        (d)   Required Accumulation Factor Number                             11

        (e)   Controlled Accumulation Amount                     $742,727,272.73

        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                       Series 1995-1
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------
              Accumulation Shortfall                                         N/A
                                                          ======================
              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================
    4.  Principal Funding Investment Shortfall
        --------------------------------------

              Covered Amount                                                 N/A
                                                          
        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------
              Principal Funding Investment Shortfall                         N/A


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

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                             0.00%

        (b)   Required Reserve Account Amount ($)                          $0.00

        (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


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred to 
        the Finance Charge Account on the Related Transfer 
        Date                                                                 N/A

    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)                            N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related Mthly 
        Period                                                             3.78%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.12

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 1995-2 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 Certficateholders' 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                                $4.83513889
                              Class B                                 4.99444449
                              Collateral Inv. Amt.                    5.24847222
                                                          ----------------------
                              Total (weighted avg.)                  $4.88889824

    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                                $4.83513889
                              Class B                                $4.99444449
                              Collateral Inv. Amt.                   $5.24847222
                                                          ----------------------
                              Total (weighted avg.)                  $4.88889824
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-2
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                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00

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                            $65,178,727.16
                              Class B                              5,107,046.91
                              Collateral Inv. Amt.                 8,244,588.73
                                                          ----------------------
                              Total                              $78,530,362.80
                                                          ======================

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

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

                              Class A                             $8,943,149.73
                              Class B                                700,546.73
                              Collateral Inv. Amt.                 1,131,443.94
                                                          ----------------------
                              Total                              $10,775,140.40
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                   N/A
        (c)  Withdrawals from Reserve Account                  
             (to Class A)                                                   N/A 
                                                          ----------------------
              Class A Available Funds                             $8,943,149.73
                                                          ======================



    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period

                                                             $17,659,405,838.53
 
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-2
Page 3

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

                              Class A                          $660,000,000.00
                              Class B                            51,700,000.00
                              Collateral Inv. Amt.               83,500,000.00
                                                          ---------------------
                              Total                            $795,200,000.00

        (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                                   3.737%
                              Class B                                   0.293%
                              Collateral Inv. Amt.                      0.473%
                                                          ---------------------
                              Total                                     4.503%

        (d)  During the Amortization Period: The Invested
             Amount as of _______ (the last day of the 
             Revolving Period)
                              Class A                                      N/A
                              Class B                                      N/A
                              Collateral Inv. Amt.                         N/A
                                                          ----------------------
                              Total                                        N/A
  
        (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                                      N/A
                              Class B                                      N/A
                              Collateral Inv. Amt.                         N/A
                                                          ---------------------
                              Total                                        N/A

    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                                      $373,199,107.54
        (b)  65 - 94 days                                      $213,539,533.95
        (c)  95 - 124 days                                     $167,661,548.10
        (d)  125 - 154 days                                    $135,545,099.99
        (e)  155 - 184 days                                    $106,741,371.05
        (f)  185 or more days                                   $88,163,389.42
                                                          ---------------------
                               Total                         $1,084,850,050.05
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-2
Page 4

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

        (a)  The aggregate amount of all defaulted 
             Principal Receivables written off as 
             uncollectible during the Collection Period 
             allocable to the Invested Amount (the 
             aggregate "Investor Default Amount")
                              Class A                              $3,155,945.70
                              Class B                                 247,215.75
                              Collateral Inv. Amt.                    399,274.95
                                                          ----------------------
                              Total                                $3,802,436.40
                                                          ======================


   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 Collateral Invested 
             Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-2
Page 5


        (d)  The amount 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
                                        Collateral Inv. Amt.                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                      $825,000.00
                                        Class B                        64,625.00
                                        Collateral Inv. Amt.          104,375.00
                                                              ------------------
                                        Total                        $994,000.00
                                                              ==================


    8.  Reallocated Principal Collections.
        ---------------------------------

        The amount of Reallocated Collateral 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
                                        Collateral Inv. Amt.                0.00
                                                              ------------------
                                        Total                              $0.00
                                                              ==================


    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
                                                                  $83,500,000.00

        (b)  The Required 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
                                                                  $83,500,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-2
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.68%





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

    1.  Accumulation Period
        -------------------
 
        (a)  Accumulation Period commencement date                      01/31/02

        (b)  Accumulation Period length (months)                               1

        (c)  Accumulation Period Factor                                    20.09

        (d)  Required Accumulation Factor Number                              11

        (e)  Controlled Accumulation Amount                      $660,000,000.00

        (f)  Minimum Payment Rate (last 12 months)                         9.54%


    2.  Principal Funding Account
        -------------------------

    Beginning Balance                                                      $0.00
        Plus:   Principal Collections for Related Monthly
                Period from Principal Account                                N/A
        Plus:   Interest on Principal Funding Account   
                Balance for Related Monthly Period                           N/A
        Less:   Withdrawals to Finance Charge Account                        N/A
        Less:   Withdrawals to Distribution Account                         0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                             Series 1995-2
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                      N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly
              Period                                                       N/A
                                                          ---------------------

              Accumulation Shortfall                                       N/A
                                                          =====================

              Aggregate Accumulation Shortfalls                            N/A
                                                          =====================

    4.  Principal Funding Investment Shortfall
        --------------------------------------
              Covered Amount                                               N/A
  
        Less: Principal Funding Investment Proceeds                        N/A
                                                          ---------------------

              Principal Funding Investment Shortfall                       N/A


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

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                           0.00%

        (b)   Required Reserve Account Amount ($)                        $0.00

        (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

    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds 
        transferred to the Finance Charge 
        Account on the Related Transfer Date                               N/A

    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)                                                             N/A

    4.  The Portfolio Adjusted Yield 
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                     3.68%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   Exhibit 99.13

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                ------------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-3

                ------------------------------------------------

                Monthly Period:                  11/01/96 to
                                                 11/30/96
                Distribution Date:               12/16/96
                Transfer Date:                   12/13/96


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 
(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 1995-3 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                              $4.71458334
                              Class B                               4.86097215
                              Collateral Inv. Amt.                  5.27430552
                                                          ---------------------
                              Total (weighted avg.)                $4.78286944

    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                              $4.71458334
                              Class B                              $4.86097215
                              Collateral Inv. Amt.                 $5.27430552
                                                          ---------------------
                              Total (weighted avg.)                $4.78286944
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-3
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                                     $0.00
                              Class B                                      0.00
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00

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                            $81,966,141.67
                              Class B                              6,419,575.03
                              Collateral Inv. Amt.                10,375,668.03
                                                          ----------------------
                              Total                              $98,761,384.73
                                                          ======================

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

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

                              Class A                            $11,247,348.28
                              Class B                                880,816.43
                              Collateral Inv. Amt.                 1,422,857.31
                                                          ----------------------
                              Total                              $13,551,022.02
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                   N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                   N/A
                                                          ----------------------
               Class A Available Funds                           $11,247,348.28
                                                          ======================


    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the  
             last day of the Monthly Period

                                                             $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-3
Page 3

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

                              Class A                            $830,000,000.00
                              Class B                              65,000,000.00
                              Collateral Inv. Amt.                105,000,000.00
                                                          ----------------------
                              Total                            $1,000,000,000.00

        (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                                     4.700%
                              Class B                                     0.368%
                              Collateral Inv. Amt.                        0.595%
                                                          ----------------------
                              Total                                       5.663%

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

                              Class A                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

    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                                        $373,199,107.54
        (b)  65 - 94 days                                        $213,539,533.95
        (c)  95 - 124 days                                       $167,661,548.10
        (d)  125 - 154 days                                      $135,545,099.99
        (e)  155 - 184 days                                      $106,741,371.05
        (f)  185 or more days                                     $88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-3
Page 4

    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                              $3,969,136.04
                              Class B                                 310,835.96
                              Collateral Inv. Amt.                    502,119.62
                                                          ----------------------
                              Total                                $4,782,091.62
                                                          ======================


    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 Collateral 
             Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                  Series 1995-3
Page 5


        (d)  The amount 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
                              Collateral Inv. Amt.                          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                              $1,037,500.00
                              Class B                                  81,250.00
                              Collateral Inv. Amt.                    131,250.00
                                                          ----------------------
                              Total                                $1,250,000.00
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


    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
                                                                 $105,000,000.00

        (b)  The Required 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
                                                                 $105,000,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                       Series 1995-3
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.55%





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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     03/31/98
                                                                 
        (b)   Accumulation Period length (months)                              2
                                                                 
        (c)   Accumulation Period Factor                                    9.13
                                                                 
        (d)   Required Accumulation Factor Number                             11
                                                                 
        (e)   Controlled Accumulation Amount                     $688,900,000.00
                                                                 
        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-3
Page 7


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

        The Controlled Deposit Amount for the previous
        Monthly Period                                                     N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous 
              Monthly Period                                               N/A
                                                          ---------------------
              Accumulation Shortfall                                       N/A
                                                          =====================
              Aggregate Accumulation Shortfalls                            N/A
                                                          =====================
    4.  Principal Funding Investment Shortfall
        --------------------------------------

              Covered Amount                                               N/A

        Less: Principal Funding Investment Proceeds                        N/A
                                                          ---------------------
              Principal Funding Investment Shortfall                       N/A


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

    1.  Required Reserve Account Analysis

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                           0.00%

        (b)   Required Reserve Account Amount ($)                        $0.00

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

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


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                      N/A


    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)                           N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                     3.80%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.14

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-4

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 
1995-4 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                                $4.73180556
                              Class B                                 4.83513885
                              Collateral Inv. Amt.                    5.24031487
                                                          ----------------------
                              Total (weighted avg.)                  $4.78786470

    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                                $4.73180556
                              Class B                                $4.83513885
                              Collateral Inv. Amt.                   $5.24031487
                                                          ----------------------
                              Total (weighted avg.)                  $4.78786470
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
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                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00

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                             $74,071,038.57
                              Class B                               6,692,900.66
                              Collateral Inv. Amt.                  8,474,494.35
                                                          ----------------------
                              Total                               $89,238,433.58
                                                          ======================

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

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

                              Class A                             $10,162,835.04
                              Class B                                 918,313.77
                              Collateral Inv. Amt.                  1,163,238.10
                                                          ----------------------
                              Total                               $12,244,386.91
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                    N/A
                                                          ----------------------
               Class A Available Funds                            $10,162,835.04
                                                          ======================



    3.  Principal Receivables/Investor Percentages.
        -------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period

                                                              $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
Page 3

        (b)  Invested Amount as of the last day of the 
             preceding month (Adjusted Class A Invested 
             Amount during Accumulation Period)
                                  
                              Class A                            $750,000,000.00
                              Class B                              67,770,000.00
                              Collateral Inv. Amt.                 85,845,000.00
                                                          ----------------------
                              Total                              $903,615,000.00

        (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                                     4.247%
                              Class B                                     0.384%
                              Collateral Inv. Amt.                        0.486%
                                                          ----------------------
                              Total                                       5.117%

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

                              Class A                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

    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                                        $373,199,107.54
        (b)  65 - 94 days                                        $213,539,533.95
        (c)  95 - 124 days                                       $167,661,548.10
        (d)  125 - 154 days                                      $135,545,099.99
        (e)  155 - 184 days                                      $106,741,371.05
        (f)  185 or more days                                     $88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
Page 4

    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                              $3,586,388.48
                              Class B                                 324,066.06
                              Collateral Inv. Amt.                    410,498.02
                                                          ----------------------
                              Total                                $4,320,952.56
                                                          ======================


    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 Collateral Invested 
             Amount 

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
Page 5


        (d)  The amount 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
                              Collateral Inv. Amt.                          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                                $937,500.00
                              Class B                                  84,712.50
                              Collateral Inv. Amt.                    107,306.25
                                                          ----------------------
                              Total                                $1,129,518.75
                                                          ======================


    8.  Reallocated Principal Collections.
        ----------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


    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                    $85,845,000.00

        (b)  The Required 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                    $85,845,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.75%




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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     07/31/98
                                                             
        (b)   Accumulation Period length (months)                              2
                                                             
        (c)   Accumulation Period Factor                                    9.66
                                                             
        (d)   Required Accumulation Factor Number                             11
                                                              
        (e)   Controlled Accumulation Amount                     $658,636,363.64
                                                             
        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-4
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------
                                                       
              Accumulation Shortfall                                         N/A
                                                          ======================
                                                       
              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================

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

              Covered Amount                                                 N/A

        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------
        Principal Funding Investment Shortfall                               N/A


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

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

        (a)  Required Reserve Account Amount percentage
             (0.5% of Class A Invested Amount or other 
             amount designated by Transferor)                              0.00%

        (b)  Required Reserve Account Amount ($)                           $0.00
                                                                   
        (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


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred to 
        the Finance Charge Account on the Related Transfer 
        Date                                                                 N/A

    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)                            N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related Mthly 
        Period                                                             3.74%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.15

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]




                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-5

                -----------------------------------------------

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/16/96
                Transfer Date:                     12/13/96

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 (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 
1995-5 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                                $4.77486112
                              Class B                                 4.87819456
                              Collateral Inv. Amt.                    5.34228883
                                                          ----------------------
                              Total (weighted avg.)                  $4.83651762

    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                                $4.77486112
                              Class B                                $4.87819456
                              Collateral Inv. Amt.                   $5.34228883
                                                          ----------------------
                              Total (weighted avg.)                  $4.83651762
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
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                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00

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                             $49,380,692.32
                              Class B                               4,459,324.25
                              Collateral Inv. Amt.                  5,652,272.44
                                                          ----------------------
                              Total                               $59,492,289.01
                                                          ======================

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

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

                              Class A                              $6,775,223.38
                              Class B                                 612,209.18
                              Collateral Inv. Amt.                    775,492.07
                                                          ----------------------
                              Total                                $8,162,924.63
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                    N/A
                                                          ----------------------
              Class A Available Funds                              $6,775,223.38
                                                          ======================



    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period

                                                              $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
Page 3

        (b)  Invested Amount as of the last day of the 
             preceding month (Adjusted Class A Invested 
             Amount  during Accumulation Period)
             
                              Class A                            $500,000,000.00
                              Class B                              45,180,000.00
                              Collateral Inv. Amt.                 57,230,000.00
                                                          ----------------------
                              Total                              $602,410,000.00

        (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                                     2.831%
                              Class B                                     0.256%
                              Collateral Inv. Amt.                        0.324%
                                                          ----------------------
                              Total                                       3.411%

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

                              Class A                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

    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                                        $373,199,107.54
        (b)  65 - 94 days                                        $213,539,533.95
        (c)  95 - 124 days                                       $167,661,548.10
        (d)  125 - 154 days                                      $135,545,099.99
        (e)  155 - 184 days                                      $106,741,371.05
        (f)  185 or more days                                     $88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
Page 4

    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                              $2,390,925.65
                              Class B                                 216,044.04
                              Collateral Inv. Amt.                    273,665.35
                                                          ----------------------
                              Total                                $2,880,635.04
                                                          ======================


    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 Collateral 
             Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
Page 5


        (d)  The amount 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
                              Collateral Inv. Amt.                         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                               $625,000.00
                              Class B                                 56,475.00
                              Collateral Inv. Amt.                    71,537.50
                                                          ----------------------
                              Total                                 $753,012.50
                                                          ======================


    8.  Reallocated Principal Collections
        ---------------------------------

        The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                         0.00
                                                          ----------------------
                              Total                                       $0.00
                                                          ======================


    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 
                                                                 $57,230,000.00

        (b)  The Required 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
                                                                 $57,230,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.80%





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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     07/31/00
                                                               
        (b)   Accumulation Period length (months)                              1
                                                               
        (c)   Accumulation Period Factor                                   26.52
                                                               
        (d)   Required Accumulation Factor Number                             11
                                                               
        (e)   Controlled Accumulation Amount                     $500,000,000.00
                                                               
        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-5
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------
              Accumulation Shortfall                                         N/A
                                                          ======================
              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================
 
    4.  Principal Funding Investment Shortfall
        --------------------------------------

              Covered Amount                                                 N/A

        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------

              Principal Funding Investment Shortfall                         N/A


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

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                             0.00%

        (b)   Required Reserve Account Amount ($)                          $0.00

        (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


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                        N/A


    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)                            N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                       3.68%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.16

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                ----------------------------------------------- 

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-6

                ----------------------------------------------- 

                Monthly Period:                    11/01/96 to
                                                   11/30/96
                Distribution Date:                 12/10/96
                Transfer Date:                     12/09/96

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 
(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 orginal principal amount of $1,000 per Series 1995-6 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                               4.31277778
                              Class B                               4.43722222
                              Collateral Inv. Amt.                  4.91944442
                                                          ---------------------
                              Total (weighted avg.)                 4.37974444

    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                               4.31277778
                              Class B                               4.43722222
                              Collateral Inv. Amt.                  4.91944442
                                                          ---------------------
                              Total (weighted avg.)                 4.37974444 
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1995-6
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                                0.00000000
                              Class B                                0.00000000
                              Collateral Inv. Amt.                   0.00000000
                                                          ----------------------
                              Total                                  0.00000000
                                               
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                           $122,948,499.66
                              Class B                             11,108,804.90
                              Collateral Inv. Amt.                14,075,518.23
                                                          ----------------------
                              Total                             $148,132,822.79
                                                          ======================

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

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

                              Class A                            $16,869,951.47
                              Class B                              1,524,393.21
                              Collateral Inv. Amt.                 1,930,898.06
                                                          ----------------------
                              Total                              $20,325,242.74
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                   N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                   N/A
                                                          ----------------------
               Class A Available Funds                           $16,869,951.47
                                                          ======================



    3.  Principal Receivables/Investor Percentages
        ------------------------------------------

        (a)  The aggregate amount of Principal Receivables 
             in the Trust as of the last day of the 
             Monthly Period

                                                             $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                   Series 1995-6
Page 3

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

                              Class A                          $1,245,000,000.00
                              Class B                             112,500,000.00
                              Collateral Inv. Amt.                142,500,000.00
                                                          ----------------------
                              Total                            $1,500,000,000.00

        (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                                     7.050%
                              Class B                                     0.637%
                              Collateral Inv. Amt.                        0.807%
                                                          ----------------------
                              Total                                       8.494%

        (d)  During the Amortization Period: The Invested
             Amount as of _______ (the last day of the 
             Revolving Period)
                              Class A                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              Collateral Inv. Amt.                           N/A
                                                          ----------------------
                              Total                                          N/A

    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                                     $373,199,107.54
        (b)     65 - 94 days                                     $213,539,533.95
        (c)     95 - 124 days                                    $167,661,548.10
        (d)     125 - 154 days                                   $135,545,099.99
        (e)     155 - 184 days                                   $106,741,371.05
        (f)     185 or more days                                  $88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                   Series 1995-6
Page 4

    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                              $5,953,416.90
                              Class B                                 537,959.36
                              Collateral Inv. Amt.                    681,415.19
                                                          ----------------------
                              Total                                $7,172,791.45
                                                          ======================


    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 Collateral Invested 
             Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


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

                              Class A                                      $0.00
                              Class B                                       0.00
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                         Series 1995-6
Page 5


       (d)    The amount 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
                              Collateral Inv. Amt.                          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                              $1,556,250.00
                              Class B                                $140,625.00
                              Collateral Inv. Amt.                   $178,125.00
                                                          ----------------------
                              Total                                $1,875,000.00
                                                          ======================
  
  
   8.  Reallocated Principal Collections
       ---------------------------------
  
       The amount of Reallocated Collateral 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
                              Collateral Inv. Amt.                          0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
  
  
   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
                                                                 $142,500,000.00
  
       (b)    The Required 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
                                                                 $142,500,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-6
Page 6


    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 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 (weighted avg.)                   1.00000000

     11. The Portfolio Yield
         -------------------

         The Portfolio Yield for the related Monthly Period               10.52%

     12. The Base Rate
         -------------

         The Base Rate for the related Monthly Period                      7.63%






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

     1.  Accumulation Period
         -------------------

         (a)    Accumulation Period commencement date                   10/31/99

         (b)    Accumulation Period length (months)                            2

         (c)    Accumulation Period Factor                                 10.65

         (d)    Required Accumulation Factor Number                           11

         (e)    Controlled Accumulation Amount                 $1,205,386,363.64

         (f)    Minimum Payment Rate (last 12 months)                      9.54%


     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                           N/A
         Less:  Withdrawals to Finance Charge Account                        N/A
         Less:  Withdrawals to Distribution Account                         0.00
                                                          ----------------------
     Ending Balance                                                        $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1995-6
Page 7


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

               The Controlled Deposit Amount for the 
               previous Monthly Period                                       N/A

        Less:  The amount deposited into the Principal 
               Funding Account for the Previous 
               Monthly Period                                                N/A
                                                          ----------------------

               Accumulation Shortfall                                        N/A
                                                          ======================

               Aggregate Accumulation Shortfalls                             N/A
                                                          ======================

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

               Covered Amount                                                N/A

        Less:  Principal Funding Investment Proceeds                         N/A
                                                          ----------------------

               Principal Funding Investment Shortfall                        N/A


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

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

        (a)    Required Reserve Account Amount percentage
               (0.5% of Class A Invested Amount or other 
               amount designated by Transferor)                            $0.00

        (b)    Required Reserve Account Amount ($)                          0.00
                                                                  
        (c)    Required Reserve Account Balance after effect                0.00
               of any transfers on the Related Transfer Date         
                                                                  
        (d)    Reserve Draw Amount transferred to the 
               Finance Charge Account on the Related Transfer 
               Date                                                        $0.00


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred to 
        the Finance Charge Account on the Related Transfer 
        Date                                                                 N/A

    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)                            N/A
                                                                    
    4.  The Portfolio Adjusted Yield                                
        ----------------------------                                
                                                                    
        The Portfolio Adjusted Yield for the related Mthly 
        Period                                                             3.75%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>

                                                                   EXHIBIT 99.17

 
                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-1

                -----------------------------------------------

                Monthly Period:                  11/01/96 to    
                                                 11/30/96       
                Distribution Date:               12/16/96       
                Transfer Date:                   12/13/96        

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
(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 1996-1 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                            4.76625000
                                   Class B                            4.87819448
                                   CIA Inv. Amt.                      5.40347219
                                                          ----------------------
                                   Total (weighted avg.)              4.83518292

    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                            4.76625000
                                   Class B                            4.87819448
                                   CIA Inv. Amt.                      5.40347219
                                                          ----------------------
                                   Total (weighted avg.)              4.83518292
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-1
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                                 0.00000000
                              Class B                                 0.00000000
                              CIA Inv. Amt.                           0.00000000
                                                          ----------------------
                              Total                                   0.00000000
    
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                             $74,071,038.57
                              Class B                               6,692,900.66
                              CIA Inv. Amt.                         8,474,494.35
                                                          ----------------------
                              Total                               $89,238,433.58
                                                          ======================
    
    2.  Allocation of Finance Charge Receivables.
        -----------------------------------------
    
        (a)    The aggregate amount of Allocations of 
               Finance Charge Receivables processed 
               during the Monthly Period which were 
               allocated in respect of the Certificates
    
                              Class A                             $10,162,835.04
                              Class B                                 918,313.77
                              CIA Inv. Amt.                         1,163,238.10
                                                          ----------------------
                              Total                               $12,244,386.91
                                                          ======================
    
        (b)    Principal Funding Investment Proceeds 
               (to Class A)                                                  N/A
        (c)    Withdrawals from Reserve Account   
               (to Class A)                                                  N/A
                                                          ----------------------
                Class A Available Funds                           $10,162,835.04
                                                          ======================
    
    
    
    3.  Principal Receivables/Investor Percentages
        ------------------------------------------
    
        (a)    The aggregate amount of Principal 
               Receivables in the Trust as of the last 
               day of the Monthly Period
    
                                                              $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-1
Page 3

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

                              Class A                           $750,000,000.00
                              Class B                             67,770,000.00
                              CIA Inv. Amt.                       85,845,000.00
                                                          ----------------------
                              Total                             $903,615,000.00

        (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                                    4.247%
                              Class B                                    0.384%
                              CIA Inv. Amt.                              0.486%
                                                          ----------------------
                              Total                                      5.117%

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

                              Class A                                       N/A 
                              Class B                                       N/A 
                              CIA Inv. Amt.                                 N/A 
                                                          ----------------------
                              Total                                         N/A

        (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                                       N/A 
                              Class B                                       N/A 
                              CIA Inv. Amt.                                 N/A 
                                                          ----------------------
                              Total                                         N/A

    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                                       $373,199,107.54
        (b)  65 - 94 days                                       $213,539,533.95
        (c)  95 - 124 days                                      $167,661,548.10
        (d)  125 - 154 days                                     $135,545,099.99
        (e)  155 - 184 days                                     $106,741,371.05
        (f)  185 or more days                                    $88,163,389.42
                                                          ----------------------
                              Total                           $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-1
Page 4

    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                              $3,586,388.48
                              Class B                                 324,066.06
                              CIA Inv. Amt.                           410,498.02
                                                          ----------------------
                              Total                                $4,320,952.56
                                                          ======================


    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 
             Invested Amount
    
                              Class A                                      $0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 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 Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


        (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 Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-1
Page 5


        (d)   The amount 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 Inv. Amt.                                 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                                $937,500.00
                              Class B                                 $84,712.50
                              CIA Inv. Amt.                          $107,306.25
                                                          ----------------------
                              Total                                $1,129,518.75
                                                          ======================


    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 Inv. Amt.                                 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
                                                                  $85,845,000.00

        (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
                                                                $85,845,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-1
Page 6


    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 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 (weighted avg.)           1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period              10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                     7.62%






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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                   02/29/00
                                                     
        (b)   Accumulation Period length (months)                            2
                                                     
        (c)   Accumulation Period Factor                                  5.98
                                                     
        (d)   Required Accumulation Factor Number                           11
                                                     
        (e)   Controlled Accumulation Amount                   $407,727,272.73
                                                     
        (f)   Minimum Payment Rate (last 12 months)                      9.54%


    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                           N/A
        Less: Withdrawals to Finance Charge Account                        N/A
        Less: Withdrawals to Distribution Account                         0.00
                                                         ----------------------
    Ending Balance                                                       $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                              Series 1996-1
Page 7


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

               The Controlled Deposit Amount for the previous
               Monthly Period                                                N/A

        Less:  The amount deposited into the Principal Funding
               Account for the Previous Monthly Period                       N/A
                                                          ----------------------

               Accumulation Shortfall                                        N/A
                                                          ======================

               Aggregate Accumulation Shortfalls                             N/A
                                                          ======================



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

               Covered Amount                                                N/A

        Less:  Principal Funding Investment Proceeds                         N/A
                                                          ----------------------
               Principal Funding Investment Shortfall                        N/A


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

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

        (a)  Required Reserve Account Amount percentage
             (0.5% of Class A Invested Amount or other 
             amount designated by Transferor)                              $0.00

        (b)  Required Reserve Account Amount ($)                            0.00

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

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


    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                        N/A


    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)                        N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                       3.76%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.18

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2

                -----------------------------------------------

                Monthly Period:                     11/01/96 to
                                                    11/30/96
                Distribution Date:                  12/10/96
                Transfer Date:                      12/09/96

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
(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 1996-2 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                                 4.32055555
                              Class B                                 4.43722228
                              CIA Inv. Amt.                           4.95833333
                                                          ----------------------
                              Total (weighted avg.)                   4.38991978

    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                                 4.32055555
                              Class B                                 4.43722228
                              CIA Inv. Amt.                           4.95833333
                                                          ----------------------
                              Total (weighted avg.)                   4.38991978
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                    Series 1996-2
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                                 0.00000000
                              Class B                                 0.00000000
                              CIA Inv. Amt.                           0.00000000
                                                          ----------------------
                              Total                                   0.00000000

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                              59,253,129.13
                              Class B                               5,363,289.68
                              CIA Inv. Amt.                         6,786,143.46
                                                          ----------------------
                              Total                                71,402,562.27
                                                          ======================

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

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

                              Class A                               8,130,396.11
                              Class B                                 735,800.85
                              CIA Inv. Amt.                           930,930.35
                                                          ----------------------
                              Total                                 9,797,127.31
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                    N/A
                                                          ----------------------
              Class A Available Funds                               8,130,396.11
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------
        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the  
             last day of the Monthly Period

                                                              $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-2
Page 3

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

                              Class A                            $600,000,000.00
                              Class B                              54,300,000.00
                              CIA Inv. Amt.                        68,700,000.00
                                                          ----------------------
                              Total                              $723,000,000.00


    (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                                     3.398%
                              Class B                                     0.307%
                              CIA Inv. Amt.                               0.389%
                                                          ----------------------
                              Total                                       4.094%

    (d)  During the Amortization Period: The Invested 
         Amount as of September 30, (the last day
         of the Revolving Period)

                              Class A                                        N/A
                              Class B                                        N/A
                              CIA Inv. Amt.                                  N/A
                                                          ----------------------
                              Total                                          N/A

    (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                                        N/A
                              Class B                                        N/A
                              CIA Inv. Amt.                                  N/A
                                                          ----------------------
                              Total                                          N/A

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                                             373,199,107.54
    (b)  65 - 94 days                                             213,539,533.95
    (c)  95 - 124 days                                            167,661,548.10
    (d)  125 - 154 days                                           135,545,099.99
    (e)  155 - 184 days                                           106,741,371.05
    (f)  185 or more days                                          88,163,389.42
                                                          ----------------------
                              Total                             1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-2
Page 4


    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                               2,869,170.99
                              Class B                                 259,659.98
                              CIA Inv. Amt.                           328,520.08
                                                          ----------------------
                              Total                                 3,457,351.05
                                                          ======================

    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 Invested 
             Amount

                              Class A                                       0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 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 Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                         0.00
                                                          ======================


        (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 Invested Amount

                              Class A                                       0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                         0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-2
Page 5


        (d)  The amount 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 Inv. Amt.                                 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                                 750,000.00
                              Class B                                  67,875.00
                              CIA Inv. Amt.                            85,875.00
                                                          ----------------------
                              Total                                   903,750.00
                                                          ======================


    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 Inv. Amt.                                 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
                                                                   68,700,000.00

        (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
                                                                   68,700,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-2
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.64%





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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     05/31/02
                                                    
        (b)   Accumulation Period length (months)                              1
                                                    
        (c)   Accumulation Period Factor                                   22.09
                                                    
        (d)   Required Accumulation Factor Number                          11.00
                                                    
        (e)   Controlled Accumulation Amount                      723,000,000.00

        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                   Series 1996-2
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------

              Accumulation Shortfall                                         N/A
                                                          ======================

              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================

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

              Covered Amount                                                 N/A

        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------

              Principal Funding Investment Shortfall                         N/A


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

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                              0.00

        (b)   Required Reserve Account Amount ($)                           0.00

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

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

    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                        N/A

    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)                            N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                       3.74%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                   EXHIBIT 99.19

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

              --------------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-4

              --------------------------------------------------

                 Monthly Period:                   11/01/96 to
                                                   11/30/96
                 Distribution Date:                12/10/96
                 Transfer Date:                    12/09/96

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 
(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 1996-4 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                                $4.32833334
                              Class B                                 4.46833333
                              CIA Inv. Amt.                           5.23053783
                                                          ----------------------
                              Total (weighted avg.)                  $4.42454416


    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                                $4.32833334
                              Class B                                 4.46833333
                              CIA Inv. Amt.                           5.23053783
                                                          ----------------------
                              Total (weighted avg.)                  $4.42454416
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
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                                $0.00000000
                              Class B                                 0.00000000
                              CIA Inv. Amt.                           0.00000000
                                                          ----------------------
                              Total                                  $0.00000000


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                             $49,380,692.32
                              Class B                               4,459,324.25
                              CIA Inv. Amt.                         5,652,272.44
                                                          ----------------------
                              Total                               $59,492,289.01
                                                          ======================

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

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

                              Class A                              $8,162,924.63
                              Class B                                       0.00
                              CIA Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                $8,162,924.63
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class A)                                                    N/A
                                                          ----------------------
              Class A Available Funds                              $8,162,924.63
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class B)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class B)                                                    N/A
                                                          ----------------------
              Class B Available Funds                                      $0.00
                                                          ======================

        (b)  Prin. Funding Investment Proceeds 
             (to Class CIA)                                                  N/A
        (c)  Withdrawals from Reserve Account 
             (to Class CIA)                                                  N/A
                                                          ----------------------
              CIA Available Funds                                          $0.00
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        ------------------------------------------ 

        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the  
             last day of the Monthly Period                   $17,659,405,838.53
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
Page 3

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

                              Class A                            $500,000,000.00
                              Class B                              45,180,000.00
                              CIA Inv. Amt.                        57,230,000.00
                                                          ----------------------
                              Total                              $602,410,000.00

        (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                                   2.83100%
                              Class B                                   0.25600%
                              CIA Inv. Amt.                             0.32400%
                                                          ----------------------
                              Total                                     3.41100%

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

                              Class A                                        N/A
                              Class B                                        N/A
                              CIA Inv. Amt.                                  N/A
                                                          ----------------------
                              Total                                          N/A

        (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                                        N/A
                              Class B                                        N/A
                              CIA Inv. Amt.                                  N/A
                                                          ----------------------
                              Total                                          N/A

    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                                        $373,199,107.54
        (b)  65 - 94 days                                         213,539,533.95
        (c)  95 - 124 days                                        167,661,548.10
        (d)  125 - 154 days                                       135,545,099.99
        (e)  155 - 184 days                                       106,741,371.05
        (f)  185 or more days                                      88,163,389.42
                                                          ----------------------
                              Total                            $1,084,850,050.05
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
Page 4

    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                              $2,390,925.65
                              Class B                                 216,044.04
                              CIA Inv. Amt.                           273,665.35
                                                          ----------------------
                              Total                                $2,880,635.04
                                                          ======================


    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 Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 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 Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================


        (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 Invested Amount

                              Class A                                      $0.00
                              Class B                                       0.00
                              CIA Inv. Amt.                                 0.00
                                                          ----------------------
                              Total                                        $0.00
                                                          ======================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
Page 5


        (d)  The amount 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 Inv. Amt.                                 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                                $625,000.00
                              Class B                                  56,475.00
                              CIA Inv. Amt.                            71,537.50
                                                          ----------------------
                              Total                                  $753,012.50
                                                          ======================


    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 Inv. Amt.                                 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
                                                                  $57,230,000.00

        (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
                                                                  $57,230,000.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.69%




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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     07/31/05

        (b)   Accumulation Period length (months)                              1

        (c)   Accumulation Period Factor                                   26.52

        (d)   Required Accumulation Factor Number                             11

        (e)   Controlled Accumulation Amount                     $602,410,000.00

        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                          ----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                     Series 1996-4
Page 7


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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------
              Accumulation Shortfall                                         N/A
                                                          ======================
              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================

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

              Covered Amount                                                 N/A

        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------
              Principal Funding Investment Shortfall                         N/A

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

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

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                             $0.00

        (b)   Required Reserve Account Amount ($)                           0.00

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

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

    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                        N/A

    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)                                                             N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                       3.69%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President



<PAGE>
 
                                                                  EXHIBIT 99.20

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                -----------------------------------------------

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-6

                -----------------------------------------------

                Monthly Period:                   11/13/96 to
                                                  11/30/96
                Distribution Date:                12/10/96
                Transfer Date:                    12/09/96


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
(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                                $4.13625000
                              Class B                                 4.29375000
                              CIA Inv. Amt.                           4.74374997
                                                          ----------------------
                              Total (weighted avg.)                  $4.20578591


    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                                $4.13625000
                              Class B                                 4.29375000
                              CIA Inv. Amt.                           4.74374997
                                                          ----------------------
                              Total (weighted avg.)                  $4.20578591
<PAGE>
 
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                                $0.00000000
                              Class B                                 0.00000000
                              CIA Inv. Amt.                           0.00000000
                                                          ----------------------
                              Total                                  $0.00000000


 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                             $45,216,448.78
                              Class B                               4,090,395.08
                              CIA Inv. Amt.                         5,173,146.72
                                                          ----------------------
                              Total                               $54,479,990.58
                                                          ======================
    2.  Allocation of Finance Charge Receivables.
        ----------------------------------------

        (a)  The aggregate amount of Allocations of 
             Finance Charge Receivables processed during 
             the Monthly Period which were allocated 
             in respect of the Certificates
          
                              Class A                              $6,304,474.04
                              Class B                                 570,044.60
                              CIA Inv. Amt.                           721,691.08
                                                          ----------------------
                              Total                                $7,596,209.72
                                                          ======================

 
        (b)  Principal Funding Investment Proceeds 
             (to Class A)                                                    N/A
        (c)  Withdrawals from Reserve Account  
             (to Class A)                                                    N/A
                                                          ----------------------
               Class A Available Funds                             $6,304,474.04
                                                          ======================

        (b)  Principal Funding Investment Proceeds 
             (to Class B)                                                    N/A
        (c)  Withdrawals from Reserve Account 
             (to Class B)                                                    N/A
                                                          ----------------------
               Class B Available Funds                               $570,044.60
                                                          ======================

        (b)  Prin. Funding Investment Proceeds 
             (to Class CIA)                                                  N/A
        (c)  Withdrawals from Reserve Account 
             (to Class CIA)                                                  N/A
                                                          ----------------------
               CIA Available Funds                                   $721,691.08
                                                          ======================

    3.  Principal Receivables/Investor Percentages
        --------------------------------------------

        (a)  The aggregate amount of Principal 
             Receivables in the Trust as of the 
             last day of the Monthly Period                   $17,659,405,838.53

<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-6
Page 3

        (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 Inv. Amt.                       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                                  4.88500%
                              Class B                                  0.44200%
                              CIA Inv. Amt.                            0.55900%
                                                           ---------------------
                              Total                                    5.88600%
             
        (d)  During the Amortization Period: The 
             Invested Amount as of _______ (the 
             last day of the Revolving Period)
           
                              Class A                                       N/A
                              Class B                                       N/A
                              CIA Inv. Amt.                                 N/A
                                                           ---------------------
                              Total                                         N/A

        (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                                       N/A
                              Class B                                       N/A
                              CIA Inv. Amt.                                 N/A
                                                           ---------------------
                              Total                                         N/A
            
    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                                      $373,199,107.54
        (b)   65 - 94 days                                      $213,539,533.95
        (c)   95 - 124 days                                     $167,661,548.10
        (d)   125 - 154 days                                    $135,545,099.99
        (e)   155 - 184 days                                    $106,741,371.05
        (f)   185 or more days                                   $88,163,389.42
                                                           ---------------------
                              Total                           $1,084,850,050.05
                                                           =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-6
Page 4

    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                            $1,690,439.31 
                              Class B                               152,847.93 
                              CIA Inv. Amt.                         193,509.40 
                                                          ---------------------
                              Total                              $2,036,796.64 
                                                          =====================
                                                                             
                                                                             
    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 Invested Amount                              
                                                                             
                              Class A                                    $0.00 
                              Class B                                     0.00 
                              CIA Inv. Amt.                               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 Inv. Amt.                               0.00 
                                                          ---------------------
                              Total                                      $0.00 
                                                          =====================
                                                                             
                                                                             
        (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 Invested Amount                                             
                                                                             
                              Class A                                    $0.00 
                              Class B                                     0.00 
                              CIA Inv. Amt.                               0.00 
                                                          ---------------------
                              Total                                      $0.00 
                                                          =====================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-6
Page 5


        (d)  The amount 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 Inv. Amt.                                 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                                $638,125.00
                              Class B                                  57,698.00
                              CIA Inv. Amt.                            73,048.00
                                                         -----------------------
                              Total                                  $768,871.00
                                                         =======================


    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 Inv. Amt.                                 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

        (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
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-6
Page 6


    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 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 (weighted avg.)                   1.00000000

    11. The Portfolio Yield
        -------------------

        The Portfolio Yield for the related Monthly Period                10.52%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.61%






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

    1.  Accumulation Period
        -------------------

        (a)   Accumulation Period commencement date                     10/31/02

        (b)   Accumulation Period length (months)                              1

        (c)   Accumulation Period Factor                                   15.37

        (d)   Required Accumulation Factor Number                             11

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

        (f)   Minimum Payment Rate (last 12 months)                        9.54%


    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                             N/A
        Less: Withdrawals to Finance Charge Account                          N/A
        Less: Withdrawals to Distribution Account                           0.00
                                                         -----------------------
    Ending Balance                                                         $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                           Series 1996-6
Page 7

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

              The Controlled Deposit Amount for the 
              previous Monthly Period                                        N/A

        Less: The amount deposited into the Principal 
              Funding Account for the Previous Monthly 
              Period                                                         N/A
                                                          ----------------------

              Accumulation Shortfall                                         N/A
                                                          ======================

              Aggregate Accumulation Shortfalls                              N/A
                                                          ======================

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

              Covered Amount                                                 N/A

        Less: Principal Funding Investment Proceeds                          N/A
                                                          ----------------------
              Principal Funding Investment Shortfall                         N/A

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

    1.  Required Reserve Account Analysis

        (a)   Required Reserve Account Amount percentage
              (0.5% of Class A Invested Amount or other 
              amount designated by Transferor)                             $0.00

        (b)   Required Reserve Account Amount ($)                           0.00

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

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

    2.  Reserve Account Investment Proceeds
        -----------------------------------

        Reserve Account Investment Proceeds transferred 
        to the Finance Charge Account on the Related 
        Transfer Date                                                        N/A

    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)                        N/A

    4.  The Portfolio Adjusted Yield
        ----------------------------

        The Portfolio Adjusted Yield for the related 
        Mthly Period                                                       3.74%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page





                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------------------
                        W. Todd Peterson
                        Vice President




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