MONTHLY SERVICER'S CERTIFICATE

(Delivered pursuant to subsection 3.04(b)

of the Pooling and Servicing Agreement

HOUSEHOLD FINANCE CORPORATION

HOUSEHOLD AFFINITY FUNDING CORPORATION

HOUSEHOLD AFFINITY CREDIT CARD MASTER TRUST 1

Class A and Class B Certificates, Series 1997-1

1.This Certificate relates to the Distribution Date occurring on November 15, 2000.

2.Trust Information.

(a)The aggregate amount of Collections processed for the Due Period

preceding such Distribution Date was equal to .................................................................................

$2,083,777,324.81

(b)The aggregate amount of such Collections with respect to Principal

Receivables for the Due Period preceding such Distribution Date was

equal to ....................................

$1,959,592,412.87

(i)The payment rate, [ ( (b) + (c)(ii) + (c)(iii) ) / (f) ], is ..............

31.395%

(c)The aggregate amount of such Collections with respect to Finance Charge

and Administrative Receivables and the Defaulted Amount for the Due Period preceding

such Distribution Date was equal to .....................................................................................................

$124,184,911.94

(i)The gross cash yield, [ ((ii)+(iii)+(iv)+(v)) * 12 / (f) ], is ......................................

22.404%

(ii)The amount of such aggregate with respect to Finance Charge was equal to

$73,954,522.40

(iii)The amount of such aggregate with respect to Fees was equal to ...

$19,232,636.81

(iv)The amount of such aggregate with respect to Interchange was equal to ..

$28,422,418.73

(v)The amount of such aggregate with respect to Other Recoveries was equal to ..

$463,560.00

(vi)The amount of such aggregate with respect to Principal Recoveries was equal to ..

$2,111,774.00

(d)The Gross Defaulted Amount for the preceding Due Period is ...............................................................

$29,451,318.68

(i)The annualized default rate, (d) *12 / (f), is ............................................

5.405%

(ii)The annualized net default rate, [(d)-(c)(vi)] *12 / (f), is ............................................

5.018%

(e)The Portfolio Yield for such Distribution Date ...............................................................................

17.386%

(f)The total amount of Principal Receivables in the Trust at the beginning

of the preceding Due Period is equal to .............................................................................................

$6,538,502,718.34

(g)The total amount of Principal Receivables as of the last day of the

immediately preceding Due Period is .................................................................................................

$6,513,025,256.22

(h)The average amount of Principal Receivables in the Trust during the

preceding Due Period (the sum of the amounts in clause (f) and the

amount in clause (g) divided by 2) is equal to ...................................................................................

$6,525,763,987.28

(i)The total amount of Finance Charge and Administrative Receivables in the

Trust as of the last day of the immediately preceding Due Period is .....................................

$147,673,094.01

(j)The aggregate outstanding gross balance of the Accounts which were

one payment (1-29 days) delinquent as of the close of business on the last

day of the calendar month preceding such Distribution Date was equal to ........................

$192,671,522.21

(k)The aggregate outstanding gross balance of the Accounts which were

two payments (30-59 days) delinquent as of the close of business on the last

day of the calendar month preceding such Distribution Date was equal to ........................

$75,118,988.79

(l)The aggregate outstanding gross balance of the Accounts which were

three or more payments (60+ days) delinquent as of the close of business on the last

day of the calendar month preceding such Distribution Date was equal to ........................

$156,859,969.81

(m)The aggregate amount of Trust Excess Principal Collections for such

Distribution Date is.......................................................

$1,194,878,523.68

(n)The aggregate amount of Principal Shortfalls for such Distribution Date is ......................

$253,441,092.79

3.Group Two Information

rate agreements, if any ) is equal to....................

6.803%

(b)Group Two Total Investor Collections is equal to .......................................................................

$318,693,348.39

(c)Group Two Investor Principal Collections is equal to ...............................................................

$299,700,481.48

(d)Group Two Investor Finance Charge and Administrative Collections is equal to ...........

$18,992,866.91

(e)Group Two Investor Additional Amounts is equal to ...................................................................

$0.00

(f)Group Two Investor Default Amount is equal to ...........................................................................

$4,504,290.95

(g)Group Two Investor Monthly Fees is equal to ................................................................................

$1,666,666.67

(h)Group Two Investor Monthly Interest is equal to ...........................................................................

5,669,000

4.Series 1997-1 Information

(a)The Series Adjusted Portfolio Yield for the Due Period preceding such

Distribution Date was equal to ..............................................................................................................

17.386%

(b)The Series 1997-1 Allocation Percentage with respect to the Due

Period preceding such Distribution Date was equal to ...............................................................

17.553%

(c)The Floating Allocation Percentage for the Due Period preceding such

Distribution Date was equal to ...............................................................................................................

87.129%

(d)The aggregate amount of Reallocated Finance Charge and

Administrative Collections for the Due Period preceding

such Distribution Date is equal to .........................................................................................................

$18,992,866.91

(e)The Floating Allocation Percentage of Series Allocable Finance

Charge and Administrative Collections for the Due Period preceding

such Distribution Date is equal to.....................................................

$18,992,866.91

(f)Class A Invested Amount ......................................................................................................................

$870,000,000.00

(g)The Class A Invested Percentage with respect to the Due Period

preceding such Distribution Date was equal to ...............................................................................

87.000%

(h)The Class A Invested Percentage of the amount set forth in Item 4(d)

above was equal to ....................................................................................................................................

$16,523,794.21

(i)The amount of Class A Monthly Interest for such Distribution Date is

equal to.............................................................................................................................................................

$4,872,000.00

(j)The amount of any Class A Monthly Interest previously due but not

distributed on a prior Distribution Date is equal to .......................................................................

$0.00

(k)The amount of Class A Additional Interest for such Distribution Date

is equal to ........................................................................................................................................................

$0.00

(l)The amount of any Class A Additional Interest previously due but not

distributed on a prior Distribution Date is equal to........................................................................

$0.00

(m)The Class A Investor Default Amount for such Distribution Date is

equal to ...........................................................................................................................................................

$3,918,733.13

(n)The Allocable Servicing Fee for such Distribution Date is equal to.......................................

$1,666,666.67

(o)The Class A Required Amount, if any, with respect to such

Distribution Date is equal to................................................................................................................

$0.00

(p)Class B Invested Amount .................................................................................................................

$47,500,000.00

(q)The Class B Invested Percentage for the Due Period preceding such

Distribution Date was equal to..............................................................................................................

4.750%

(r)The Class B Invested Percentage of the amount set forth in Item 4(d)

above is equal to...........................................................................................................................................

$902,161.18

(s)The amount of Class B Monthly Interest for such Distribution Date is

equal to.............................................................................................................................................................

$273,125.00

(t)The amount of any Class B Monthly Interest previously due but not

distributed on a prior Distribution Date is equal to..........................................................................

$0.00

(u)The amount of Class B Additional Interest for such Distribution Date

is equal to.......................................................................................................................................................

$0.00

(v)The amount of any Class B Additional Interest previously due but not

distributed on a prior Distribution Date is equal to.........................................................................

$0.00

(w)Class B Investor Default Amount for such Distribution Date is equal

to......................................................................................................................................................................

$213,953.82

(x)The Collateral Invested Percentage of the amount set forth in Item 4(d)

above is equal to............................................................................................................................................

$1,566,911.52

(y)The Series 1997-1 Principal Shortfall for such Distribution Date is

equal to...........................................................................................................................................................

$0.00

(z)The Series 1997-1 Excess Principal Collections is equal to.....................................................

$0.00

(aa)The amount of Excess Finance Charge and Administrative Collections

with respect to such Distribution Date is equal to..........................................................................

$8,262,342.11

(bb)The amount of Excess Finance Charge and Administrative Collections

referred to in Item 4(aa) will be available to be distributed on such

Distribution Date to fund or reimburse the following items:

(i)to fund the Class A Required Amount, if any, with

respect to such Distribution Date.................................................

$0.00

(ii)to reimburse Class A Investor Charge-Offs.........................

$0.00

(iii)to pay current or overdue Class B Monthly Interest,

Class B Additional Interest or the Cumulative

Excess Interest Amount ....................................................................

$0.00

(iv)to fund the Class B Investor Default Amount with

respect to such Distribution Date..................................................

$213,953.82

(v)to reimburse certain previous reductions in the Class B

Invested Amount ............................................................................

$0.00

(vi)to pay the Collateral Monthly Interest for such Distribution

Date equal to......................................................................

$523,875.00

(vii)to pay any portion of the Allocable Servicing Fee not

paid pursuant to clause (i) above...................................................

$0.00

(viii)to fund the Collateral Investor Default Amount with

respect to such Distribution Date..................................................

$371,604.00

(ix)to reimburse certain previous reductions in the Collateral

Invested Amount ............................................................................

$0.00

(x)to make any required deposit in the Cash Collateral Account..

$0.00

(xi)to make any required deposit to the Reserve Account ....................................

$0.00

(cc)The amount of Subordinated Principal Collections with respect to such

Distribution Date is equal to.....................................................................................................................

$38,961,062.59

(dd)The Principal Allocation Percentage is equal to .............................................................................

87.13%

(ee)The total amount to be distributed to Class A Certificateholders on

such Distribution Date in payment of principal is equal to..........................................................

$0.000000000

(ff)The total amount to be distributed to Class B Certificateholders on

such Distribution Date in payment of principal is equal to..........................................................

0.00000000%

(gg)The amount of Class A Investor Charge-Offs for such Distribution

Date is equal to.............................................................................................................................................

$0.000000000

(hh)The total amount of reimbursements of Class A Investor Charge-Offs

for such Distribution Date is equal to..................................................................................................

$0.00

(ii)The amount of Class B Investor Charge-Offs and other reductions in

the Class B Invested Amount for such Distribution Date is equal to......................................

$0.00

(jj)The total amount of reimbursements of Class B Investor Charge-Offs

for such Distribution Date is equal to....................................................................................................

$0.00

(kk)The Class A Invested Amount at the close of business on such

Distribution Date (after giving effect to all payments and adjustments

on such Distribution Date) will be equal to.........................................................................................

$870,000,000.00

(ll)The Class B Invested Amount at the close of business on such

Distribution Date (after giving effect to all payments and adjustments

on such Distribution Date) will be equal to.......................................................

$47,500,000.00

(mm)The Available Collateral Amount as of the close of business on the

preceding Distribution Date (after giving effect to any withdrawal

from the Collateral Account) was equal to.......................................................

82500000

(nn)The Required Collateral Amount as of the close of business on such

Distribution Date, after giving effect to any withdrawal from the

Collateral Account and payments to the Collateral Interest Holder on

such Distribution Date, will be equal to.................................................................................................

82,500,000.0000

(oo)The ratio of the Required Collateral Amount to the Class B Invested Amount

as of the close of business on such Distribution Date, after giving effect

to any withdrawal from the Collateral Account and payments to the

Collateral Interest Holder on such Distribution Date, will be equal to ......................................

173.684%

(pp)The Available Collateral Amount as of the close of business on

such Distribution Date (after giving effect to any withdrawal

from the Collateral Account) will be equal to...........................................................................................

$82,500,000.00

(qq)The Cumulative Excess Interest Amount as of the close of business on

such Distribution Date, after giving effect to any payments of interest

to Class B Certificateholders on such Distribution Date, will be equal to .............................

$0.00

5.Total amount to be on deposit in the Collection Account (after giving effect to

allocations required to be made pursuant to the terms of all other Series now

outstanding and to the payment of the Servicer's fee and funding of investor default

amounts) prior to making distributions on such Distribution Dates is equal to .................

$12,821,909.29

6.The total amount to be allocated according to the terms of the Collateral

Agreement on such Distribution Date is equal to ............................................................................

$7,676,784.29

7.Total amount to be distributed from the Collection Account to the

Servicer in respect of the unpaid Allocable Servicing Fee for the

preceding Due Period on such Distribution Date (after taking into

consideration the amounts which have been netted with respect to this

Series against deposits to the Collection Account) is equal to...............................................

$0.00

8.The Class A Adjusted Amount ............................................................................................................

$870,000,000.00

9.The Class B Adjusted Amount ............................................................................................................

$47,500,000.00

10.The Controlled Accumulation Amount ..................................................................................................

$0.00

11.The Controlled Deposit Amount ............................................................................................................

$0.00

12.The Deficit Controlled Accumulation Amount ...............................................................................................

$0.00

13.The Principal Funding Account Balance ..............................................................................................

$0.00

14.The Principal Funding Investment Shortfall ........................................................................................

$0.00

15.The Required Reserve Account Amount ..............................................................................................

$3,670,000.00

16.The Reserve Account Balance ................................................................................................................

$3,670,000.00

Household Finance Corporation

Household Card Funding Corp.

October 2000

Household Credit Card Master Trust I , Series 1997-1

Nov 15, 2000

CLASS A CERTIFICATEHOLDER'S STATEMENT

A.Information Regarding Distributions

1. Total distribution per $1,000 interest

$5.600000000

2. Principal distribution per $1,000 interest

$0.00

3. Interest distribution per $1,000 interest

$5.600000000

B. Calculation of Class A Interest

1. Calculation of Class A Certificate Rate

(a) One-month LIBOR

6.620000000%

(b) Spread

0.1000%

(c) Class A Certificate Rate

6.720000000%

2. Beginning Principal Amount

$870,000,000.00

3. Days in Interest Period

30

C. Performance of Trust

1. Collections of Receivables

(a) Total Collections

$2,083,777,324.81

(b) Collections of Finance Charge and Administrative Receivables

$124,184,911.94

(c) Collections of Principal

$1,959,592,412.87

2. Allocation of Receivables

(a) Class A Invested Percentage

87.00%

(b) Principal Allocation Percentage

87.13%

3. Delinquent Gross Balances

(a) Delinquent 1 - 29 days

$192,671,522.21

% of Gross Receivables

2.89%

(b) Delinquent 30 - 59 days

$75,118,988.79

% of Gross Receivables

1.13%

(c) Delinquent 60+ days

$156,859,969.81

% of Gross Receivables

2.36%

4. Class A Investor Default Amount

$3,918,733.13

5. Class A Investor Charge-offs; Reimbursement of Charge-offs

(a) Class A Investor Charge-offs, if any, for the Distribution Date

$0.00

(b) The amount of Item 5.(a) per $1,000 interest

$0.00

(c) Total reimbursed to Trust in respect of Class A Investor Charge-offs

$0.00

(d) The amount of Item 5.(c) per $1,000 interest

$0.00

(e) The amount, if any, by which the outstanding principal balance of the

Class A Certificates exceeds the class A Invested Amount as of

the end of the Distribution Date

$0.00

6. Allocable Servicing Fee paid for the Distribution Date

$1,666,666.67

7. Deficit Controlled Accumulation Amount for the Distribution Date

$0.00

D.Class A Pool Factor

1.0000000

E.Receivables Balances

1. Principal Receivables as of the last day of the preceding Due Period

$6,513,025,256.22

2. Finance Charge and Administrative Receivables as of the last day

$147,673,094.01

of the preceding Due Period

F.Class B Certificates

1. Class B Invested Amount as of the end of the Distribution Date

$47,500,000.00

2. Available Collateral Invested Amount as of the end of the Distribution Date

$82,500,000.00

Household Finance Corporation

Household Card Funding Corp.

October 2000

Household Credit Card Master Trust I , Series 1997-1

Nov 15, 2000

CLASS B CERTIFICATEHOLDER'S STATEMENT

A.Information Regarding Distributions

1. Total distribution per $1,000 interest

$5.750000000

2. Principal distribution per $1,000 interest

$0.00

3. Interest distribution per $1,000 interest

$5.750000000

B. Calculation of Class B Interest

1. Calculation of Class B Certificate Rate

(a) One-month LIBOR

6.620000000%

(b) Spread

0.2800%

(c) Class B Certificate Rate

6.900000000%

2. Beginning Invested Amount

$47,500,000.00

3. Days in Interest Period

30

C. Performance of Trust

1. Collections of Receivables

(a) Total Collections

$2,083,777,324.81

(b) Collections of Finance Charge and Administrative Receivables

$124,184,911.94

(c) Collections of Principal

$1,959,592,412.87

2. Allocation of Receivables

(a) Class B Invested Percentage

4.750%

(b) Principal Allocation Percentage

87.129%

3. Delinquent Gross Balances

(a) Delinquent 1 - 29 days

$192,671,522.21

% of Gross Receivables

2.89%

(b) Delinquent 30 - 59 days

$75,118,988.79

% of Gross Receivables

1.13%

(c) Delinquent 60+ days

$156,859,969.81

% of Gross Receivables

2.36%

4. Class B Investor Default Amount

$213,953.82

5. Class B Investor Charge-offs; Reimbursement of Charge-offs

(a) Class B Investor Charge-offs, if any, for the Distribution Date

$0.00

(b) The amount of Item 5.(a) per $1,000 interest

$0.00

(c) Total reimbursed to Trust in respect of Class B Investor Charge-offs

$0.00

(d) The amount of Item 5.(c) per $1,000 interest

$0.00

(e) The amount, if any, by which the outstanding principal balance of the

$0.00

Class B Certificates exceeds the Class B Invested Amount as of

the end of the Distribution Date

6. Available Cash Collateral Amount

(a) Available Cash Collateral Amount at the end of the Distribution Date

$0.00

(b) Available Cash Collateral Amount as a percent of the Class B

0.00%

Invested Amount, each at the end of the Distribution Date

7. Available Collateral Invested Amount

$82,500,000.00

8. Deficit Controlled Accumulation Amount for the Distribution Date

$0.00

D.Class B Pool Factor

1.00000000

E.Receivables Balances

1. Principal Receivables as of the last day of the preceding Due Period

$6,513,025,256.22

2. Finance Charge and Administrative Receivables as of the last day

$147,673,094.01

of the preceding Due Period