BANC ONE CREDIT CARD MASTER TRUST
8-K, 1998-09-29
ASSET-BACKED SECURITIES
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===============================================================================

                       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): September 15, 1998
                                                          ------------------

                        BANC ONE CREDIT CARD MASTER TRUST
                    -----------------------------------------
                    (Issuer with respect to the Certificates)


                                 BANK ONE, N.A.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)


                                  United States
                ------------------------------------------------
                 (State or other jurisidiction of incorporation)


            0-25636                                   31-4148768
   ------------------------              ------------------------------------
   (Commission File Number)              (IRS Employer Identification Number)


100 East Broad Street, 16th Floor, Columbus, OH                         43215
- -----------------------------------------------                      ----------
(Address of principal executive offices)                             (Zip Code)


                                 (614) 248-5944
               --------------------------------------------------
               Registrant's telephone number, including area code


===============================================================================


<PAGE>


Item 5.      Other Events

             On September 15, 1998, the Banc One Credit Card Master Trust
             (the "Trust") made a regular monthly distribution of principal
             and/or interest to holders of the following Certificates
             issued by the Trust, each of which is included in Group One
             and is a Principal Sharing Series:

                  7.80% Class A Asset Backed Certificates, Series 1994-C
                  8.00% Class B Asset Backed Certificates, Series 1994-C
                  6.15% Class A Asset Backed Certificates, Series 1995-A
                  6.30% Class B Asset Backed Certificates, Series 1995-A
                  6.30% Class A Asset Backed Certificates, Series 1995-B
                  6.45% Class B Asset Backed Certificates, Series 1995-B
                  Floating Rate Class A Asset Backed Certificates, Series 1996-A
                  Floating Rate Class B Asset Backed Certificates, Series 1996-A
                  Asset Backed Certificates, Series 1997-1
                  Asset Backed Certificates, Series 1997-2

Item 7.      Exhibits

             See page 4 for Exhibit Index.















<PAGE>


                                   SIGNATURE


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 hereunto duly authorized.


                                        BANC ONE CREDIT CARD MASTER TRUST



Date:  September 28, 1998               By:     /s/ Tracie Klein
       ------------------                       ----------------------------

                                        Name:   Tracie Klein
                                                ----------------------------

                                        Title:  Vice President
                                                ----------------------------

                                        BANK ONE, N.A.















<PAGE>


EXHIBIT INDEX


Exhibit     Description                                                     Page
- -------     -----------                                                     ----

99.1        The Monthly Statements and other information reflecting
            the Trust's Activities for the Monthly Period ending
            August 31, 1998.................................................5-18

99.2        Monthly Servicer's Certificates................................19-24








                                                                    Exhibit 99.1

BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT

<TABLE>
<CAPTION>

<S>                    <C>            <C>                             <C>            <C>                                 <C>
Distribution Date of:  15-Sep-98      For the Monthly Period Ending:  31-Aug-98      Days in Interest Period (30/360)    30
Determined as of:      09-Sep-98      Monthly Period                         46      Days in Interest Period (Act/360)   29
</TABLE>

<TABLE>
<CAPTION>
       Beginning                     Total Trust          Investor Interest      Series 1994-C     Series 1995-A     Series 1995-B  
       ---------                     -----------          -----------------      -------------     -------------     -------------  
<S>                               <C>                       <C>                  <C>               <C>               <C>            
Pool Balance (Principal)          4,387,743,604.36
Finance Charges O/S                 124,775,251.49
Excess Funding Account                        0.00

Initial Invested Amount                                     4,310,000,000.00     450,000,000.00    380,000,000.00    380,000,000.00 
Invested Amount                                             3,910,000,000.00     450,000,000.00    380,000,000.00    380,000,000.00 
Class A Invested Amount                                                          423,000,000.00    357,200,000.00    357,200,000.00 
Class B Invested Amount                                                           27,000,000.00     22,800,000.00     22,800,000.00 

Principal Funding Account                                               0.00               0.00              0.00              0.00 

Adjusted Invested Amount                                    3,910,000,000.00     450,000,000.00    380,000,000.00    380,000,000.00 
Class A Adjusted Invested Amt                                                    423,000,000.00    357,200,000.00    357,200,000.00 
Class B Adjusted Invested Amt                                                     27,000,000.00     22,800,000.00     22,800,000.00 
Enhancement Invested Amount                                             0.00               0.00              0.00              0.00 

Principal Allocation Pct                    100.00%                    89.11%             10.26%             8.66%             8.66%
Principal Collections               544,652,380.82            485,349,874.79      55,858,681.24     47,169,553.05     47,169,553.05 

Floating Allocation Pct                     100.00%                    89.11%             10.26%             8.66%             8.66%
Finance Charge Collections           72,546,895.94             64,647,889.37       7,440,294.17      6,282,915.08      6,282,915.08 
Defaulted Amount                     30,855,559.12             27,495,963.08       3,164,497.03      2,672,241.94      2,672,241.94 

Interchange Collections               6,408,785.73              5,710,988.26         657,274.86        555,032.11        555,032.11 
Servicer Interchange                                            4,072,916.67         468,750.00        395,833.33        395,833.33 

Shared Principal Collections                                  453,822,659.61               0.00     49,841,794.99     49,841,794.99 


<CAPTION>
           Beginning                Series 1996-A            Series 1997-1             Series 1997-2           Seller Interest      
           ---------                -------------            -------------             -------------           ---------------      
<S>                                 <C>                     <C>                        <C>                        <C>              
Pool Balance (Principal)                                                                                                            
Finance Charges O/S                                                                                                                 
Excess Funding Account                                                                                                              
                                                                                                                                    
Initial Invested Amount             500,000,000.00          1,700,000,000.00           900,000,000.00                               
Invested Amount                     500,000,000.00          1,300,000,000.00           900,000,000.00                               
Class A Invested Amount             465,000,000.00          1,300,000,000.00           900,000,000.00                               
Class B Invested Amount              35,000,000.00                      0.00                     0.00                               
                                                                                                                                    
Principal Funding Account                     0.00                      0.00                     0.00                               
                                                                                                                                    
Adjusted Invested Amount            500,000,000.00          1,300,000,000.00           900,000,000.00            477,743,604.36     
Class A Adjusted Invested Amt       465,000,000.00          1,300,000,000.00           900,000,000.00                        NA     
Class B Adjusted Invested Amt        35,000,000.00                      0.00                     0.00                        NA     
Enhancement Invested Amount                   0.00                      0.00                     0.00                        NA     
                                                                                                                                    
Principal Allocation Pct                     11.40%                    29.63%                   20.51%                    10.89%    
Principal Collections                62,065,201.38            161,369,523.59           111,717,362.48             59,302,506.03     
                                                                                                                                    
Floating Allocation Pct                      11.40%                    29.63%                   20.51%                    10.89%    
Finance Charge Collections            8,266,993.53             21,494,183.17            14,880,588.35              7,899,006.57     
Defaulted Amount                      3,516,107.81              9,141,880.31             6,328,994.06              3,359,596.04     
                                                                                                                                    
Interchange Collections                 730,305.40              1,898,794.05             1,314,549.73                               
Servicer Interchange                    520,833.33              1,354,166.67               937,500.00                               
                                                                                                                                    
Shared Principal Collections         65,581,309.19            170,511,403.90           118,046,356.54                               
</TABLE>



<PAGE>

<TABLE>
<CAPTION>
           Ending                   Total Trust        Investor Interest       Series 1994-C      Series 1995-A     Series 1995-B
           ------                   -----------        -----------------       -------------      -------------     -------------
<S>                               <C>                   <C>                    <C>                <C>               <C>
Pool Balance (Principal)          4,330,566,694.01
Finance Charges O/S                 124,717,337.51
Excess Funding Account                        0.00

Initial Invested Amount                                4,310,000,000.00        450,000,000.00     380,000,000.00    380,000,000.00
Invested Amount                                        3,910,000,000.00        450,000,000.00     380,000,000.00    380,000,000.00
Class A Invested Amount                                                        423,000,000.00     357,200,000.00    357,200,000.00
Class B Invested Amount                                                         27,000,000.00      22,800,000.00     22,800,000.00

Principal Funding Account                                141,000,000.00        141,000,000.00               0.00              0.00

Adjusted Invested Amount                               3,769,000,000.00        309,000,000.00     380,000,000.00    380,000,000.00
Class A Adjusted Invested Amt                                                  282,000,000.00     357,200,000.00    357,200,000.00
Class B Adjusted Invested Amt                                                   27,000,000.00      22,800,000.00     22,800,000.00
Enhancement Invested Amount                                        0.00                  0.00               0.00              0.00
 
Principal Allocation Pct                    100.00%               90.29%                10.39%              8.77%             8.77%
Floating Allocation Pct                     100.00%               87.03%                 7.14%              8.77%             8.77%
</TABLE>

<TABLE>
<CAPTION>
           Ending                   Series 1996-A            Series 1997-1            Series  1997-2         Seller Interest 
           ------                   -------------            -------------            --------------         --------------- 
<S>                                 <C>                     <C>                        <C>                     <C>               
Pool Balance (Principal)                                                                                                         
Finance Charges O/S                                                                                                              
Excess Funding Account                                                                                                           
                                                                                                                                 
Initial Invested Amount             500,000,000.00          1,700,000,000.00           900,000,000.00                            
Invested Amount                     500,000,000.00          1,300,000,000.00           900,000,000.00                            
Class A Invested Amount             465,000,000.00          1,300,000,000.00           900,000,000.00                            
Class B Invested Amount              35,000,000.00                      0.00                     0.00                            
                                                                                                                                 
Principal Funding Account                     0.00                      0.00                     0.00                            
                                                                                                                                 
Adjusted Invested Amount            500,000,000.00          1,300,000,000.00           900,000,000.00          561,566,694.01    
Class A Adjusted Invested Amt       465,000,000.00          1,300,000,000.00           900,000,000.00                      NA   
Class B Adjusted Invested Amt        35,000,000.00                      0.00                     0.00                      NA   
Enhancement Invested Amount                   0.00                      0.00                     0.00                      NA    
                                                                                                                                 
Principal Allocation Pct                     11.55%                    30.02%                   20.78%                   9.71%   
Floating Allocation Pct                      11.55%                    30.02%                   20.78%                  12.97%   
</TABLE>


<PAGE>


BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT

<TABLE>
<CAPTION>
<S>                    <C>            <C>                             <C>            <C>                                 <C>
Distribution Date of:  15-Sep-98      For the Monthly Period Ending:  31-Aug-98      Days in Interest Period (30/360)    30
Determined as of:      09-Sep-98      Monthly Period                         46      Days in Interest Period (Act/360)   29
</TABLE>

<TABLE>
<CAPTION>
                                                               Gross Balances of
Minimum Balance Requirement                                    Accounts Delinquent:                    (%)        ($)
- ---------------------------                                    --------------------                    ---        ---- 
<S>                                         <C>                <C>                                     <C>      <C>
Trust Initial Invested Amount               4,310,000,000.00
Trust PFA                                     141,000,000.00   30 - 59 days                            1.86%       82,910,555.77
Ending Portfolio Principal Balance          4,330,566,694.01   60 - 89 days                            1.34%       59,567,371.94
                                                               90 days +                               3.00%      133,540,841.55
Beginning Excess Funding Acct Bal                       0.00   Total 30 days +                         6.20%      276,018,769.26
Required Excess Funding Account Deposit                 0.00                                                                   
Excess Funding Account Withdrawal                       0.00                                                                   
                                                                                                                               
Seller's Participation Amt (w/o EFA)          561,566,694.01   Gross Credit Losses                     9.29%       33,984,106.01
Required Seller's Interest                    303,139,668.58   Net Credit Losses                       8.44%       30,855,559.12
Required Excess Funding Account Balance                 0.00   Discount Option Receivables                                     0 
Seller's Participation Amount                 561,566,694.01   Discount Percentage                                          0.00% 
                                                               Finance Charge Billed - pool                        57,451,821.26  
Fraud Losses reassigned to the Seller                   0.00   Fees Billed - pool                                  12,947,996.44  
                                                               Interest Earned on Collection Account                2,817,827.48  
                                                               Required Principal Balance                       4,310,000,000.00  
                                                               EFA + Receivables + PFA                          4,471,566,694.01  
</TABLE>


<PAGE>


BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1994-C

Distribution Date of:                                                 15-Sep-98
Determined as of:                                                     09-Sep-98
For the Monthly Period Ending:                                        31-Aug-98
Days in Interest Period (30/360)                                             30
Days in Interest Period (Actual/360)                                         29

<TABLE>
<CAPTION>
                                                                   Beginning                   Ending                  Change
                                                                   ---------                  -------                  ------
<S>                                                            <C>                      <C>                        <C>    
Pool Balance (Principal)                                       4,387,743,604.36         4,330,566,694.01          (57,176,910.35)
Excess Funding Account                                                     0.00                     0.00                    0.00

Invested Amount                                                  450,000,000.00           450,000,000.00                    0.00
Class A Invested Amount                                          423,000,000.00           423,000,000.00                    0.00
Class B Invested Amount                                           27,000,000.00            27,000,000.00                    0.00

Principal Funding Account                                                  0.00           141,000,000.00          141,000,000.00
                                                                                                                                
Adjusted Invested Amount                                         450,000,000.00           309,000,000.00         (141,000,000.00)
Class A Adjusted Invested Amount                                 423,000,000.00           282,000,000.00         (141,000,000.00)
Class B Adjusted Invested Amount                                  27,000,000.00            27,000,000.00                    0.00
Enhancement Invested Amount                                                0.00                     0.00                    0.00

Reserve Account                                                    1,125,000.00             1,125,000.00                    0.00
                                                                                                                                
Available Cash Collateral Amount                                  45,000,000.00            32,310,000.00          (12,690,000.00)
Available Shared Collateral Amount                                40,500,000.00            27,810,000.00          (12,690,000.00)
Spread Account                                                    27,000,000.00            27,000,000.00                    0.00

Servicing Base Amount                                            450,000,000.00           309,000,000.00         (141,000,000.00)


Allocation Percentages
- ----------------------
Floating Allocation Pct                                                   10.26%
Principal Allocation Pct                                                  10.26%
Class A Floating Pct                                                      94.00%
Class B Floating Pct                                                       6.00%
Class A Principal Pct                                                     94.00%
Class B Principal Pct                                                      6.00%
</TABLE>

<TABLE>
<CAPTION>
                                                                     Series
Allocations                                  Trust                   1994-C                 Class A                   Class B
- -----------                                  -----                   ------                 -------                   -------
<S>                                      <C>                      <C>                      <C>                      <C>
Principal Collections                    544,652,380.82           55,858,681.24            52,507,160.37            3,351,520.87

Finance Charge Collections                72,546,895.94            7,440,294.17             6,993,876.52              446,417.65
PFA Investment Proceeds                              NA                    0.00                     0.00                    0.00
Reserve Account Draw                                 NA                    0.00                     0.00                    0.00
                                                                   ------------             ------------              ----------
Available Funds                                                    7,440,294.17             6,993,876.52              446,417.65

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                 468,750.00               440,625.00               28,125.00
Monthly Interest                                                   2,929,500.00             2,749,500.00              180,000.00
Monthly Servicing Fee                                                 93,750.00                88,125.00                5,625.00
Defaulted Amounts                         33,855,559.12            3,164,497.03             2,974,627.21              189,869.82
                                                                   ------------             ------------              ----------
                                                                   6,656,497.03             6,252,877.21              403,619.82

Excess Spread                                                        783,797.14               740,999.31               42,797.83
Required Amount                                                            0.00                     0.00                    0.00
                                                                                                        
Cash Collateral Account                                                                                 
- -----------------------                                                                                 
Cash Collateral Fee                                                                            19,031.25
Risk-Free Fee                                                                                   5,981.25
Interest on CCA Draw                                                                                0.00
Total Fees - Interest                                                                          25,012.50
</TABLE>

<PAGE>

Cash Collateral Account (continued)
- -----------------------------------
Quarterly Excess Spread Percentage                                         1.15%
Principal Payment Rate Calculation                                        12.27%
Calculated Current Month's Spread Account Cap                              6.00%
Spread Account Cap Adjustment                                              0.00%
Applicable Spread Account Cap Percentage                                   6.00%
Beginning Cash Collateral Amount                                  45,000,000.00
Required Cash Collateral Amount                                   32,310,000.00
Cash Collateral Account Draw                                               0.00
Cash Collateral Account Surplus                                   12,690,000.00
Beginning Spread Account Balance                                  27,000,000.00
Required Spread Account Amount                                    27,000,000.00
Required Spread Account Draw                                               0.00
Required Spread Account Deposit                                            0.00
Spread Account Surplus                                                     0.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Accumulation                                                         1
Controlled Accumulation Amount                                   141,000,000.00
Required PFA Balance                                             141,000,000.00
Beginning PFA Balance                                                      0.00
Controlled Deposit Amount                                        141,000,000.00
Available Investor Principal Collections                          59,023,178.27
Principal Shortfall                                               81,976,821.73
Shared Principal to Other Series                                           0.00
Shared Principal from Other Series                                81,976,821.73
Class A Monthly Principal                                        141,000,000.00
Class B Monthly Principal                                                  0.00
Monthly Principal                                                141,000,000.00
PFA Deposit                                                      141,000,000.00
PFA Withdrawal                                                             0.00
Ending PFA Balance                                               141,000,000.00
Principal to Investors                                                     0.00
Ending Class A Invested Amount                                   423,000,000.00
Ending Class B Invested Amount                                    27,000,000.00

Class A Accumulation Period Length
- ----------------------------------
Min 12 Month Historical Prin Pmt Rate                                      9.93%
Revolving Investor Interest                                    1,710,000,000.00
Class A Invested Amount                                          423,000,000.00
Available Principal                                              169,878,794.76
Class A Accumulation Period Length                                            3

Reserve Account
- ---------------
Available Reserve Account Amount                                   1,125,000.00
Covered Amount                                                             0.00
Reserve Draw Amount                                                        0.00
Portfolio Yield                                                           13.33%
Reserve Account Factor                                                    25.00%
Portfolio Adjusted Yield                                                   3.01%
Reserve Account Funding Period Length                                         0
Reserve Account Funding Date                                          15-Sep-98
Weighted Average Coupon                                                    7.81%
Required Reserve Account Amount                                    1,125,000.00
Reserve Account Surplus                                                    0.00
Required Reserve Account Deposit                                           0.00
Portfolio Yield - 3 month average                                         12.59%
Base Rate - 3 month average                                                9.48%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                          3.11%

<PAGE>

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1995-A

Distribution Date of:                                             15-Sep-98
Determined as of:                                                 09-Sep-98
For the Monthly Period Ending:                                    31-Aug-98
Days in Interest Period (30/360)                                         30
Days in Interest Period (Actual/360)                                     29

<TABLE>
<CAPTION>
                                                               Beginning                 Ending                   Change
                                                               ---------                 ------                   ------
<S>                                                        <C>                      <C>                        <C>
Pool Balance (Principal)                                   4,387,743,604.36         4,330,566,694.01          (57,176,910.35)
Excess Funding Account                                                 0.00                     0.00                    0.00

Invested Amount                                              380,000,000.00           380,000,000.00                    0.00
Class A Invested Amount                                      357,200,000.00           357,200,000.00                    0.00
Class B Invested Amount                                       22,800,000.00            22,800,000.00                    0.00

Principal Funding Account                                              0.00                     0.00                    0.00

Adjusted Invested Amount                                     380,000,000.00           380,000,000.00                    0.00
Class A Adjusted Invested Amount                             357,200,000.00           357,200,000.00                    0.00
Class B Adjusted Invested Amount                              22,800,000.00            22,800,000.00                    0.00
Enhancement Invested Amount                                            0.00                     0.00                    0.00

Reserve Account                                                        0.00                     0.00                    0.00

Available Cash Collateral Amount                              38,000,000.00            38,000,000.00                    0.00
Available Shared Collateral Amount                            34,200,000.00            34,200,000.00                    0.00
Spread Account                                                20,900,000.00            20,900,000.00                    0.00

Servicing Base Amount                                        380,000,000.00           380,000,000.00                    0.00

Allocation Percentages
- ----------------------
Floating Allocation Pct                                                8.66%
Principal Allocation Pct                                               8.66%
Class A Floating Pct                                                  94.00%
Class B Floating Pct                                                   6.00%
Class A Principal Pct                                                 94.00%
Class B Principal Pct                                                  6.00%

<CAPTION>
                                                                    Series
Allocations                                     Trust               1995-A                     Class A                 Class B
- -----------                                     -----               -------                    -------                 -------
<S>                                       <C>                      <C>                      <C>                      <C>
Principal Collections                     544,652,380.82           47,169,553.05            44,339,379.87            2,830,173.18

Finance Charge Collections                 72,546,895.94            6,282,915.08             5,905,940.17              376,974.90


PFA Investment Proceeds                               NA                    0.00                     0.00                    0.00
Reserve Account Draw                                  NA                    0.00                     0.00                    0.00
                                                                    ------------             ------------              ----------
Available Funds                                                     6,282,915.08             5,905,940.17              376,974.90

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                  395,833.33               372,083.33               23,750.00
Monthly Interest                                                    1,950,350.00             1,830,650.00              119,700.00
Monthly Servicing Fee                                                  79,166.67                74,416.67                4,750.00
Defaulted Amounts                          30,855,559.12            2,672,241.94             2,511,907.42              160,334.52
                                                                    ------------             ------------              ----------
                                                                    5,097,591.94             4,789,057.42              308,534.52



Excess Spread                                                       1,345,657.66             1,116,882.75              228,774.90
Required Amount                                                             0.00                     0.00                    0.00

Cash Collateral Account
- -----------------------
Cash Collateral Fee                                                                             10,713.89
Risk-Free Fee                                                                                    2,755.00
Interest on CCA Draw                                                                                 0.00
Monthly Cash Collateral Fee                                                                     13,468.89
</TABLE>

<PAGE>

Cash Collateral Account (continued)
- -----------------------------------
Quarterly Excess Spread Percentage                                         3.33%
Principal Payment Rate Calculation                                        12.27%
Calculated Current Month's Spread Account Cap                              5.50%
Spread Account Cap Adjustment                                              0.00%
Applicable Spread Account Cap Percentage                                   5.50%
Beginning Cash Collateral Amount                                  38,000,000.00
Required Cash Collateral Amount                                   38,000,000.00
Cash Collateral Account Draw                                               0.00
Cash Collateral Account Surplus                                            0.00
Beginning Spread Account Balance                                  20,900,000.00
Required Spread Account Amount                                    20,900,000.00
Required Spread Account Draw                                               0.00
Required Spread Account Deposit                                            0.00
Spread Account Surplus                                                     0.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Accumulation                                                         0
Controlled Accumulation Amount                                    59,533,333.33
Required PFA Balance                                                       0.00
Beginning PFA Balance                                                      0.00
Controlled Deposit Amount                                                  0.00
Available Investor Principal Collections                          49,841,794.99
Principal Shortfall                                                        0.00
Shared Principal to Other Series                                  49,841,794.99
Shared Principal from Other Series                                         0.00
Class A Monthly Principal                                                  0.00
Class B Monthly Principal                                                  0.00
Monthly Principal                                                          0.00
PFA Deposit                                                                0.00
PFA Withdrawal                                                             0.00
Ending PFA Balance                                                         0.00
Principal to Investors                                                     0.00
Ending Class A Invested Amount                                   357,200,000.00
Ending Class B Invested Amount                                    22,800,000.00

Class A Accumulation Period Length
- ----------------------------------
Min 12 Month Historical Prin Pmt Rate                                      9.93%
Revolving Investor Interest                                      630,000,000.00
Class A Invested Amount                                          357,200,000.00
Available Principal                                               62,586,924.38
Class A Accumulation Period Length                                            6

Reserve Account
- ---------------
Available Reserve Account Amount                                           0.00
Covered Amount                                                             0.00
Reserve Draw Amount                                                        0.00
Portfolio Yield                                                           13.33%
Reserve Account Factor                                                    50.00%
Portfolio Adjusted Yield                                                   4.66%
Reserve Account Funding Period Length                                         3
Reserve Account Funding Date                                          15-Oct-99
Weighted Average Coupon                                                    6.16%
Required Reserve Account Amount                                            0.00
Reserve Account Surplus                                                    0.00
Required Reserve Account Deposit                                           0.00
Portfolio Yield - 3 month average                                         12.59%
Base Rate - 3 month average                                                7.83%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                          4.76%

<PAGE>

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1995-B

Distribution Date of:                                                15-Sep-98
Determined as of:                                                    09-Sep-98
For the Monthly Period Ending:                                       31-Aug-98
Days in Interest Period (30/360)                                            30
Days in Interest Period (Actual/360)                                        29

<TABLE>
<CAPTION>
                                                                  Beginning                   Ending                  Change
                                                                  ---------                   ------                  ------
<S>                                                           <C>                      <C>                        <C>   
Pool Balance (Principal)                                      4,387,743,604.36         4,330,566,694.01          (57,176,910.35)
Excess Funding Account                                                    0.00                     0.00                    0.00

Invested Amount                                                 380,000,000.00           380,000,000.00                    0.00
Class A Invested Amount                                         357,200,000.00           357,200,000.00                    0.00
Class B Invested Amount                                          22,800,000.00            22,800,000.00                    0.00

Principal Funding Account                                                 0.00                     0.00                    0.00

Adjusted Invested Amount                                        380,000,000.00           380,000,000.00                    0.00
Class A Adjusted Invested Amount                                357,200,000.00           357,200,000.00                    0.00
Class B Adjusted Invested Amount                                 22,800,000.00            22,800,000.00                    0.00
Enhancement Invested Amount                                               0.00                     0.00                    0.00

Reserve Account                                                           0.00                     0.00                    0.00

Available Cash Collateral Amount                                 38,000,000.00            38,000,000.00                    0.00
Available Shared Collateral Amount                               34,200,000.00            34,200,000.00                    0.00
Spread Account                                                   20,900,000.00            20,900,000.00                    0.00

Servicing Base Amount                                           380,000,000.00           380,000,000.00                    0.00

Allocation Percentages
- ----------------------
Floating Allocation Pct                                                   8.66%
Principal Allocation Pct                                                  8.66%
Class A Floating Pct                                                     94.00%
Class B Floating Pct                                                      6.00%
Class A Principal Pct                                                    94.00%
Class B Principal Pct                                                     6.00%

<CAPTION>
                                                                          Series
Allocations                                           Trust               1995-B                 Class A             Class B
- -----------                                           -----               ------                 -------             -------
<S>                                             <C>                      <C>                  <C>                  <C>    
Principal Collections                           544,652,380.82           47,169,553.05        44,339,379.87        2,830,173.18

Finance Charge Collections                       72,546,895.94            6,282,915.08         5,905,940.17          376,974.90
PFA Investment Proceeds                                     NA                    0.00                 0.00                0.00
Reserve Account Draw                                        NA                    0.00                 0.00                0.00
                                                                          ------------         ------------          ----------
Available Funds                                                           6,282,915.08         5,905,940.17          376,974.90

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                        395,833.33           372,083.33           23,750.00
Monthly Interest                                                          1,997,850.00         1,875,300.00          122,550.00
Monthly Servicing Fee                                                        79,166.67            74,416.67            4,750.00
Defaulted Amounts                                30,855,559.12            2,672,241.94         2,511,907.42          160,334.52
                                                                          ------------         ------------          ----------
                                                                          5,145,091.94         4,833,707.42          311,384.52

Excess Spread                                                             1,298,157.66         1,072,232.75          225,924.90
Required Amount                                                                   0.00                 0.00                0.00

Cash Collateral Account
- -----------------------
Cash Collateral Fee                                                                                9,504.75
Risk-Free Fee                                                                                      5,387.56
Interest on CCA Draw or Difference between Loan Interest and Deposit Interest                    (11,748.67)
                                                                                                  ---------
Monthly Cash Collateral Fee                                                                        3,143.64
</TABLE>

<PAGE>

<TABLE>
<S>                                                                                              <C>
Cash Collateral Account (continued)
- -----------------------------------
Quarterly Excess Spread Percentage                                                                         3.18%
Principal Payment Rate Calculation                                                                        12.27%
Calculated Current Month's Spread Account Cap                                                              5.50%
Spread Account Cap Adjustment                                                                              0.00%
Applicable Spread Account Cap Percentage                                                                   5.50%
Beginning Cash Collateral Amount                                                                  38,000,000.00
Required Cash Collateral Amount                                                                   38,000,000.00
Cash Collateral Account Draw                                                                               0.00
Cash Collateral Account Surplus                                                                            0.00
Beginning Spread Account Balance                                                                  20,900,000.00
Required Spread Account Amount                                                                    20,900,000.00
Required Spread Account Draw                                                                               0.00
Required Spread Account Deposit                                                                            0.00
Spread Account Surplus                                                                                     0.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Accumulation                                                                                         0
Controlled Accumulation Amount                                                                    59,533,333.33
Required PFA Balance                                                                                       0.00
Beginning PFA Balance                                                                                      0.00
Controlled Deposit Amount                                                                                  0.00
Available Investor Principal Collections                                                          49,841,794.99
Principal Shortfall                                                                                        0.00
Shared Principal to Other Series                                                                  49,841,794.99
Shared Principal from Other Series                                                                         0.00
Class A Monthly Principal                                                                                  0.00
Class B Monthly Principal                                                                                  0.00
Monthly Principal                                                                                          0.00
PFA Deposit                                                                                                0.00
PFA Withdrawal                                                                                             0.00
Ending PFA Balance                                                                                         0.00
Principal to Investors                                                                                     0.00
Ending Class A Invested Amount                                                                   357,200,000.00
Ending Class B Invested Amount                                                                    22,800,000.00

Class A Accumulation Period Length
- ----------------------------------
Min 12 Month Historical Prin Pmt Rate                                                                      9.93%
Revolving Investor Interest                                                                      630,000,000.00
Class A Invested Amount                                                                          357,200,000.00
Available Principal                                                                               62,586,924.38
Class A Accumulation Period Length                                                                            6

Reserve Account
- ----------------
Available Reserve Account Amount                                                                           0.00
Covered Amount                                                                                             0.00
Reserve Draw Amount                                                                                        0.00
Portfolio Yield                                                                                           13.33%
Reserve Account Factor                                                                                    50.00%
Portfolio Adjusted Yield                                                                                   4.51%
Reserve Account Funding Period Length                                                                         3
Reserve Account Funding Date                                                                        15-Jan-2000
Weighted Average Coupon                                                                                    6.31%
Required Reserve Account Amount                                                                            0.00
Reserve Account Surplus                                                                                    0.00
Required Reserve Account Deposit                                                                           0.00
Portfolio Yield - 3 month average                                                                         12.59%
Base Rate - 3 month average                                                                                7.98%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                                                          4.61%
</TABLE>

<PAGE>

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1996-A

Distribution Date of:                                                  15-Sep-98
Determined as of:                                                      09-Sep-98
For the Monthly Period Ending:                                         31-Aug-98
Days in Interest Period (30/360)                                              30
Days in Interest Period (Actual/360)                                          29

<TABLE>
<CAPTION>
                                                                          Beginning                Ending              Change
                                                                          ---------                ------              ------
<S>                                                                   <C>                   <C>                    <C> 
Pool Balance (Principal)                                              4,387,743,604.36      4,330,566,694.01      (57,176,910.35)
Excess Funding Account                                                            0.00                  0.00                0.00

Invested Amount                                                         500,000,000.00        500,000,000.00                0.00
Class A Invested Amount                                                 465,000,000.00        465,000,000.00                0.00
Class B Invested Amount                                                  35,000,000.00         35,000,000.00                0.00

Principal Funding Account                                                         0.00                  0.00                0.00

Adjusted Invested Amount                                                500,000,000.00        500,000,000.00                0.00
Class A Adjusted Invested Amount                                        465,000,000.00        465,000,000.00                0.00
Class B Adjusted Invested Amount                                         35,000,000.00         35,000,000.00                0.00
Enhancement Invested Amount                                                       0.00                  0.00                0.00

Reserve Account                                                                   0.00                  0.00                0.00

Available Cash Collateral Amount                                         50,000,000.00         50,000,000.00                0.00
Available Shared Collateral Amount                                       50,000,000.00         50,000,000.00                0.00
Spread Account                                                           22,000,000.00         22,000,000.00               (0.00)

Servicing Base Amount                                                   500,000,000.00        500,000,000.00                0.00

Allocation Percentages
- ----------------------
Floating Allocation Pct                                                          11.40%
Principal Allocation Pct                                                         11.40%
Class A Floating Pct                                                             93.00%
Class B Floating Pct                                                              7.00%
Class A Principal Pct                                                            93.00%
Class B Principal Pct                                                             7.00%


<CAPTION>
                                                                          Series
Allocations                                           Trust               1996-A                Class A              Class B
- -----------                                           -----               ------                -------              -------
<S>                                             <C>                      <C>                 <C>                   <C>    
Principal Collections                           544,652,380.82           62,065,201.38       57,720,637.28         4,344,564.10

Finance Charge Collections                       72,546,895.94            8,266,993.53        7,688,303.98           578,689.55
PFA Investment Proceeds                                     NA                    0.00                0.00                 0.00
Reserve Account Draw                                        NA                    0.00                0.00                 0.00
                                                                          ------------        ------------           ----------
Available Funds                                                           8,266,993.53        7,688,303.98           578,689.55

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                        520,833.33          484,375.00            36,458.33
Monthly Interest                                                          2,364,055.83        2,195,294.32           168,761.51
Monthly Servicing Fee                                                       104,166.67           96,875.00             7,291.67
Defaulted Amounts                                30,855,559.12            3,516,107.81        3,269,980.26           246,127.55
                                                                          ------------        ------------           ----------
                                                                          6,505,163.64        6,046,524.59           458,639.06

Excess Spread                                                             2,007,957.43        1,641,779.39           366,178.03
Required Amount                                                                   0.00                0.00                 0.00

1 Month Libor Rate                                    5.640630%
- ------------------

Cash Collateral Account
- -----------------------
Cash Collateral Fee                                                                              25,173.61
Interest on CCA Draw                                                                                  0.00
Total                                                                                            25,173.61
</TABLE>

<PAGE>

Cash Collateral Account (continued)
- -----------------------------------
Quarterly Excess Spread Percentage                                       3.57%
Principal Payment Rate Calculation                                      12.27%
Calculated Current Month's Spread Account Cap                            4.00%
Spread Account Cap Adjustment                                            0.00%
Applicable Spread Account Cap Percentage                                 4.00%
Beginning Cash Collateral Amount                                50,000,000.00
Required Cash Collateral Amount                                 50,000,000.00
Cash Collateral Account Draw                                             0.00
Cash Collateral Account Surplus                                          0.00
Beginning Spread Account Balance                                20,000,000.00
Required Spread Account Amount                                  20,000,000.00
Required Spread Account Draw                                             0.00
Required Spread Account Deposit                                          0.00
Spread Account Surplus                                                   0.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Accumulation                                                       0
Controlled Accumulation Amount                                  46,500,000.00
Required PFA Balance                                                     0.00
Beginning PFA Balance                                                    0.00
Controlled Deposit Amount                                                0.00
Available Investor Principal Collections                        65,581,309.19
Principal Shortfall                                                      0.00
Shared Principal to Other Series                                65,581,309.19
Shared Principal from Other Series                                       0.00
Class A Monthly Principal                                                0.00
Class B Monthly Principal                                                0.00
Monthly Principal                                                        0.00
PFA Deposit                                                              0.00
PFA Withdrawal                                                           0.00
Ending PFA Balance                                                       0.00
Principal to Investors                                                   0.00
Ending Class A Invested Amount                                 465,000,000.00
Ending Class B Invested Amount                                  35,000,000.00

Class A Accumulation Period Length
- ----------------------------------
Min 12 Month Historical Prin Pmt Rate                                    9.93%
Revolving Investor Interest                                    500,000,000.00
Class A Invested Amount                                        465,000,000.00
Available Principal                                             49,672,162.21
Class A Accumulation Period Length                                         10

Reserve Account
- ---------------
Available Reserve Account Amount                                         0.00
Covered Amount                                                           0.00
Reserve Draw Amount                                                      0.00
Portfolio Yield                                                         13.33%
Reserve Account Factor                                                  83.33%
Portfolio Adjusted Yield                                                 4.81%
Reserve Account Funding Period Length                                       3
Reserve Account Funding Date                                      15-Apr-2002
Weighted Average Coupon                                                  5.67%
Required Reserve Account Amount                                          0.00
Reserve Account Surplus                                                  0.00
Required Reserve Account Deposit                                         0.00
Portfolio Yield - 3 month average                                       12.59%
Base Rate - 3 month average                                              7.68%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                        4.91%

<PAGE>

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1997-1

Distribution Date of:                                               15-Sep-98
Determined as of:                                                   09-Sep-98
For the Monthly Period Ending:                                      31-Aug-98
Days in Interest Period (30/360)                                           30
Days in Interest Period (Actual/360)                                       29

<TABLE>
<CAPTION>
                                                                 Beginning                Ending                    Change
                                                                 ---------                ------                    ------
<S>                                                          <C>                     <C>                         <C>
Pool Balance (Principal)                                     4,387,743,604.36        4,330,566,694.01           (57,176,910.35)
Excess Funding Account                                                   0.00                    0.00                     0.00
Maximum Certificate Invested Amount                          1,700,000,000.00        1,700,000,000.00                     0.00
Invested Amount                                              1,300,000,000.00        1,300,000,000.00                     0.00

Partial Amortization Amount                                              0.00                    0.00                     0.00
Specified Payment Date                          n/a
Partial Amortization Amount Principal                                    0.00                    0.00                     0.00
   All prior Partial Amortization Amount reductions
   related to above Specified Payment Date
Partial Amortization Amount - Total                                      0.00                    0.00                     0.00

Commitment                                                     110,500,000.00          110,500,000.00                     0.00
Available Cash Collateral Amount                               165,750,000.00          165,750,000.00                     0.00
Seller Reserve Portion                                          55,250,000.00           55,250,000.00                     0.00
Unused Commitment                                               55,250,000.00           55,250,000.00                     0.00

Servicing Base Amount                                        1,700,000,000.00        1,700,000,000.00                     0.00

Allocation Percentages
- ----------------------
Floating Allocation Pct                                                 29.63%
Principal Allocation Pct                                                29.63%

<CAPTION>
Allocations                                                     Master Trust           Series 1997-1
- -----------                                                     ------------           -------------
<S>                                                            <C>                     <C>    
Principal Collections                                          544,652,380.82          161,369,523.59

Finance Charge Collections                                      72,546,895.94           21,494,183.17
Interest Earned on CCA - Seller Account                                    NA              238,495.83
blank                                                                                            0.00
                                                                                        -------------
Total Available Fund                                                                    21,732,679.00

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                                     1,354,166.67
Monthly Interest                                                                         6,138,170.59
Monthly Servicing Fee                                                                      270,833.33
Defaulted Receivables                                           30,855,559.12            9,141,880.31
                                                                                        -------------
                                                                                        16,905,050.90

Excess Spread                                                                            4,827,628.10
Required Amount                                                                                  0.00

Prepayable Increase Amount Interest - Total                                                      0.00
Prepayable Increase Amount Interest - Paid                                                       0.00
Prepayable Increase Amount Interest - Unpaid                                                     0.00

Eurodollar Rate                                                                              0.000000%

CP Rate                                                                                      5.827320%
</TABLE>

<PAGE>

<TABLE>
<S>                                                                                          <C>
Cash Collateral Account
- -----------------------
Monthly Cash Collateral Fee                                                                        44,506.94
Risk Rate Base Portion Fee                                                                              0.00
Commitment Fee                                                                                     11,126.74
                                                                                                   ---------
TOTAL FEES                                                                                         55,633.68

Risk Rate Base Portion                                                                                  0.00
Risk Rate                                                                                               0.00%
Quarterly Excess Spread Percentage                                                                      3.11%
Applicable Excess Spread Percentage                                                                     1.96%
Lender Percentage                                                                                       8.50%
Beginning Cash Collateral Amount                                                              165,750,000.00
Required Cash Collateral Amount                                                               165,750,000.00
Draw Amount                                                                                             0.00
Cash Collateral Account Surplus                                                                         0.00
Beginning Seller Reserve Portion - Balance                                                     55,250,000.00
Required Seller Reserve Portion                                                                55,250,000.00
Amount Deposited to the CCA (per 4.07(g) of Supplement)                                                 0.00
Ending Cash Collateral Amount - Lender Sub-Account                                            110,500,000.00
Ending Cash Collateral Amount - Seller Sub-Account                                             55,250,000.00
Available Cash Collateral Amount - Ending Balance                                             165,750,000.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Amortization                                                                                    n/a
Controlled Distribution Amount                                                                          0.00
Available Investor Principal Collections                                                      170,511,403.90
Principal Shortfall                                                                                     0.00
Shared Principal to Other Series                                                              170,511,403.90
Shared Principal from Other Series                                                                      0.00
Monthly Principal                                                                                       0.00
Ending Invested Amount                                                                      1,300,000,000.00

Amortization Period Length
- --------------------------
Min 12 Month Historical Prin Pmt Rate                                                                   9.93%
Revolving Investor Interest                                                                 1,300,000,000.00
Invested Amount                                                                             1,300,000,000.00
Available Principal                                                                           129,147,621.74
Class A Accumulation Period Length                                                                        11

Payout Events
- -------------
Portfolio Yield - for the month                                                                        13.55%
Portfolio Yield - 3 month average                                                                      12.82%
Base Rate - 3 month average                                                                             7.70%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                                                       5.13%
Required CCA - Available Cash Collateral Amount                                                         0.00
Required CCA - Available Cash Collateral Amount (as % of Invested Amount)                               0.00%
</TABLE>

<PAGE>

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1997-2

Distribution Date of:                                                  15-Sep-98
Determined as of:                                                      09-Sep-98
For the Monthly Period Ending:                                         31-Aug-98
Days in Interest Period (30/360)                                              30
Days in Interest Period (Actual/360)                                          29

<TABLE>
<CAPTION>
                                                                        Beginning                 Ending               Change
                                                                        ---------                 ------               ------
<S>                                                                 <C>                     <C>                     <C>
Pool Balance (Principal)                                            4,387,743,604.36        4,330,566,694.01       (57,176,910.35)
Excess Funding Account                                                          0.00                    0.00                 0.00
Maximum Certificate Invested Amount                                   900,000,000.00          900,000,000.00                 0.00
Invested Amount                                                       900,000,000.00          900,000,000.00                 0.00

Partial Amortization Amount                                                     0.00                    0.00                 0.00
Specified Payment Date                n/a
Partial Amortization Amount Principal                                           0.00                    0.00                 0.00
   All prior Partial Amortization Amount reductions
   related to above Specified Payment Date
Partial Amortization Amount - Total                                             0.00                    0.00                 0.00

Commitment                                                             76,500,000.00           76,500,000.00                 0.00
Available Cash Collateral Amount                                      114,750,000.00          114,750,000.00                 0.00
Seller Reserve Portion                                                 38,250,000.00           38,250,000.00                 0.00
Unused Commitment                                                      11,250,000.00           11,250,000.00                 0.00

Servicing Base Amount                                                 900,000,000.00          900,000,000.00                 0.00

Allocation Percentages
- ----------------------
Floating Allocation Pct                                                        20.51%
Principal Allocation Pct                                                       20.51%

Allocations                                                            Master Trust            Series 1997-2
- -----------                                                            -------------           -------------
Principal Collections                                                 544,652,380.82          111,717,362.48

Finance Charge Collections                                             72,546,895.94           14,880,588.35
Interest Earned on CCA - Seller Account                                           NA              165,112.50
blank                                                                                                   0.00
                                                                                              --------------
Total Available Fund                                                                           15,045,700.85

Monthly Investor Obligations
- ----------------------------
Servicer Interchange                                                                              937,500.00
Monthly Interest                                                                                4,236,750.75
Monthly Servicing Fee                                                                             187,500.00
Defaulted Receivables                                                  30,855,559.12            6,328,994.06
                                                                                              --------------
                                                                                               11,690,744.81

Excess Spread                                                                                   3,354,956.04
Required Amount                                                                                         0.00

Prepayable Increase Amount Interest - Total                                                             0.00
Prepayable Increase Amount Interest - Paid                                                              0.00
Prepayable Increase Amount Interest - Unpaid                                                            0.00

Eurodollar Rate                                                                                     0.000000%

CP Rate                                                                                             5.843100%
</TABLE>

<PAGE>

<TABLE>
<S>                                                                                           <C>
Cash Collateral Account
- -----------------------
Monthly Cash Collateral Fee                                                                        30,812.50
Risk Rate Base Portion Fee                                                                              0.00
Commitment Fee                                                                                      2,265.63
                                                                                                   ---------
TOTAL FEES                                                                                         33,078.13

Risk Rate Base Portion                                                                                  0.00
Risk Rate                                                                                               0.00%
Quarterly Excess Spread Percentage                                                                      3.17%
Applicable Excess Spread Percentage                                                                     1.94%
Lender Percentage                                                                                       8.50%
Beginning Cash Collateral Amount                                                              114,750,000.00
Required Cash Collateral Amount                                                               114,750,000.00
Draw Amount                                                                                             0.00
Cash Collateral Account Surplus                                                                         0.00
Beginning Seller Reserve Portion - Balance                                                     38,250,000.00
Required Seller Reserve Portion                                                                38,250,000.00
Amount Deposited to the CCA (per 4.07(g) of Supplement)                                                 0.00
Ending Cash Collateral Amount - Lender Sub-Account                                             76,500,000.00
Ending Cash Collateral Amount - Seller Sub-Account                                             38,250,000.00
Available Cash Collateral Amount - Ending Balance                                             114,750,000.00

Monthly Principal & Controlled Deposit Amount
- ---------------------------------------------
Month of Amortization                                                                                    n/a
Controlled Distribution Amount                                                                          0.00
Available Investor Principal Collections                                                      118,046,356.54
Principal Shortfall                                                                                     0.00
Shared Principal to Other Series                                                              118,046,356.54
Shared Principal from Other Series                                                                      0.00
Monthly Principal                                                                                       0.00
Ending Invested Amount                                                                        900,000,000.00

Amortization Period Length
- --------------------------
Min 12 Month Historical Prin Pmt Rate                                                                   9.93%
Revolving Investor Interest                                                                   900,000,000.00
Invested Amount                                                                               900,000,000.00
Available Principal                                                                            89,409,891.98
Class A Accumulation Period Length                                                                        11

Payout Events
- --------------
Portfolio Yield - for the month                                                                        13.55%
Portfolio Yield - 3 month average                                                                      12.82%
Base Rate - 3 month average                                                                             7.64%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                                                       5.18%
Required CCA - Available Cash Collateral Amount                                                         0.00
Required CCA - Available Cash Collateral Amount (as % of Invested Amount)                               0.00%
</TABLE>



                                                                    Exhibit 99.2

                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1994-C


           The undersigned, a duly authorized representative of BANK ONE,
COLUMBUS, NA, as Servicer ("Bank One"), pursuant to the Pooling and Servicing
Agreement dated as of November 1, 1994 (as amended and supplemented, the
"Agreement"), as supplemented by the Series 1994-C Supplement (as amended and
supplemented, the "Series Supplement"), between Bank One, as Seller and
Servicer, and Bankers Trust Company, as Trustee, does hereby certify as follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Out Event occurred on or prior to such Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.




                               BANK ONE, NA
                               as Servicer

                               By:  /s/ Tracie Klein
                                    --------------------------------------
                                    Name:  Tracie Klein
                                    Title: Vice President


<PAGE>


                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1995-A


           The undersigned, a duly authorized representative of BANK ONE,
COLUMBUS, NA, as Servicer ("Bank One"), pursuant to the Pooling and Servicing
Agreement dated as of November 1, 1994 (as amended and supplemented, the
"Agreement"), as supplemented by the Series 1995-A Supplement (as amended and
supplemented, the "Series Supplement"), between Bank One, as Seller and
Servicer, and Bankers Trust Company, as Trustee, does hereby certify as follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Out Event occurred on or prior to such Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.




                               BANK ONE, NA
                               as Servicer

                               By:  /s/ Tracie Klein
                                    ---------------------------------------
                                    Name:   Tracie Klein
                                    Title:  Vice President


<PAGE>


                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1995-B


           The undersigned, a duly authorized representative of BANK ONE,
COLUMBUS, NA, as Servicer ("Bank One"), pursuant to the Pooling and Servicing
Agreement dated as of November 1, 1994 (as amended and supplemented, the
"Agreement"), as supplemented by the Series 1995-B Supplement (as amended and
supplemented, the "Series Supplement"), between Bank One, as Seller and
Servicer, and Bankers Trust Company, as Trustee, does hereby certify as follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Out Event occurred on or prior to such Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.




                               BANK ONE, NA
                               as Servicer

                               By: /s/ Tracie Klein
                                   ----------------------------------------
                                   Name:   Tracie Klein
                                   Title:  Vice President

<PAGE>


                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1996-A


           The undersigned, a duly authorized representative of BANK ONE,
COLUMBUS, NA, as Servicer ("Bank One"), pursuant to the Pooling and Servicing
Agreement dated as of November 1, 1994 (as amended and supplemented, the
"Agreement"), as supplemented by the Series 1996-A Supplement dated as of March
27, 1996 (as amended and supplemented, the "Series Supplement"), between Bank
One, as Seller and Servicer, and Bankers Trust Company, as Trustee, does hereby
certify as follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default; if applicable].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Out Event occurred on or prior to such Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other than pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.




                               BANK ONE, NA
                               as Servicer

                               By:  /s/ Tracie Klein
                                    ----------------------------------------
                                    Name:   Tracie Klein
                                    Title:  Vice President


<PAGE>


                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1997-1

           The undersigned, a duly authorized representative of BANK ONE, NA, as
Servicer ("Bank One"), pursuant to the Pooling and Servicing Agreement dated as
of November 1, 1994 (as amended and supplemented, the "Agreement"), as
supplemented by the Series 1997-1 Supplement dated as of September 23, 1997 (as
amended and supplemented, the "Series Supplement"), between Bank One, as Seller
and Servicer, and Bankers Trust Company, as Trustee, does hereby certify as
follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default; if applicable].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Pay Out Event has been deemed to have occurred on or prior to such
Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other than pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.


                               BANK ONE, NA
                               as Servicer

                               By:  /s/ Tracie Klein
                                    ---------------------------------------
                                    Name:   Tracie Klein
                                    Title:  Vice President

<PAGE>


                         MONTHLY SERVICER'S CERTIFICATE
                                  BANK ONE, NA


                        BANC ONE CREDIT CARD MASTER TRUST
                                  SERIES 1997-2

           The undersigned, a duly authorized representative of BANK ONE, NA, as
Servicer ("Bank One"), pursuant to the Pooling and Servicing Agreement dated as
of November 1, 1994 (as amended and supplemented, the "Agreement"), as
supplemented by the Series 1997-2 Supplement dated as of December 17, 1997 (as
amended and supplemented, the "Series Supplement"), between Bank One, as Seller
and Servicer, and Bankers Trust Company, as Trustee, does hereby certify as
follows:

           1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or Series Supplement, as applicable.

           2. Bank One is, as of the date hereof, the Servicer under the
Agreement.

           3. The undersigned is a Servicing Officer.

           4. This Certificate relates to the Distribution Date occuring on
15-Sep-98.

           5. As of the date hereof, to the best knowledge of the undersigned,
the Servicer has performed in all material respects all its obligations under
the Agreement through the Monthly Period preceding such Distribution Date. [Or
if there has been a default in the performance of any such obligation, set forth
in detail the (i) nature of such default, (ii) the action taken by the Seller
and Servicer, if any, to remedy such default and (iii) the current status of
each such default; if applicable].

           6. As of the date hereof, to the best knowledge of the undersigned,
no Pay Pay Out Event has been deemed to have occurred on or prior to such
Distribution Date.

           7. As of the date hereof, to the best knowledge of the undersigned,
no Lien has been placed on any of the Receivables other than pursuant to the
Agreement. [or, if there is a Lien, such Lien consists of ]

           IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this 9th day of September 1998.


                               BANK ONE, NA
                               as Servicer

                               By:  /s/ Tracie Klein
                                    ----------------------------------------
                                   Name:   Tracie Klein
                                   Title:  Vice President




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