<PAGE>
EXHIBIT 99.1
BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT
<TABLE>
Distribution Date of: 16-Oct-00 For the Monthly Period Ending: 30-Sep-00 Days in Interest Period (30/360) 30
Determined as of: 10-Oct-00 Monthly Period 71 Days in Interest Period (Act/360) 31
Beginning Total Trust Investor Interest Series 1995-B Series 1996-A
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<S> <C> <C> <C> <C>
Pool Balance (Principal) 3,863,883,216.64
Finance Charges O/S 145,461,536.76
Excess Funding Account 0.00
Initial Invested Amount 3,480,000,000.00 380,000,000.00 500,000,000.00
Invested Amount 2,952,800,000.00 22,800,000.00 500,000,000.00
Class A Invested Amount 0.00 465,000,000.00
Class B Invested Amount 22,800,000.00 35,000,000.00
Principal Funding Account 0.00 0.00 0.00
Adjusted Invested Amount 2,952,800,000.00 22,800,000.00 500,000,000.00
Class A Adjusted Invested Amt 0.00 465,000,000.00
Class B Adjusted Invested Amt 22,800,000.00 35,000,000.00
Enhancement Invested Amount 0.00 0.00 0.00
Principal Allocation Pct 100.00% 85.67% 9.83% 12.94%
Principal Collections 393,806,287.71 337,354,609.14 38,729,532.17 50,959,910.75
Floating Allocation Pct 100.00% 77.96% 2.13% 12.94%
Finance Charge Collections 66,400,719.80 51,766,860.02 1,414,895.92 8,592,485.34
Defaulted Amount 24,028,243.96 18,732,729.79 512,004.45 3,109,338.79
Interchange Collections 8,224,017.51 6,411,550.42 175,241.00 1,064,216.62
Servicer Interchange 3,075,833.33 23,750.00 520,833.33
Shared Principal Collections 333,287,338.93 16,441,536.62 54,069,249.54
Ending Total Trust Investor Interest Series 1995-B Series 1996-A
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Pool Balance (Principal) 3,835,718,758.19
Finance Charges O/S 152,402,652.79
Excess Funding Account 0.00
Initial Invested Amount 3,100,000,000.00 0.00 500,000,000.00
Invested Amount 2,930,000,000.00 0.00 500,000,000.00
Class A Invested Amount 0.00 465,000,000.00
Class B Invested Amount 0.00 35,000,000.00
Principal Funding Account 0.00 0.00 0.00
Partial Amortization Amount 0.00 0.00 0.00
Adjusted Invested Amount 2,930,000,000.00 0.00 500,000,000.00
Class A Adjusted Invested Amt 0.00 465,000,000.00
Class B Adjusted Invested Amt 0.00 35,000,000.00
Enhancement Invested Amount 0.00 0.00 0.00
Principal Allocation Pct 100.00% 76.39% 0.00% 13.04%
Floating Allocation Pct 100.00% 76.39% 0.00% 13.04%
Beginning Series 1997-1 Series 1997-2
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Pool Balance (Principal)
Finance Charges O/S
Excess Funding Account
Initial Invested Amount 1,700,000,000.00 900,000,000.00
Invested Amount 1,530,000,000.00 900,000,000.00
Class A Invested Amount 1,530,000,000.00 900,000,000.00
Class B Invested Amount 0.00 0.00
Principal Funding Account 0.00 0.00
Adjusted Invested Amount 1,530,000,000.00 900,000,000.00
Class A Adjusted Invested Amt 1,530,000,000.00 900,000,000.00
Class B Adjusted Invested Amt 0.00 0.00
Enhancement Invested Amount 0.00 0.00
Principal Allocation Pct 39.60% 23.29%
Principal Collections 155,937,326.88 91,727,839.34
Floating Allocation Pct 39.60% 23.29%
Finance Charge Collections 26,293,005.14 15,466,473.61
Defaulted Amount 9,514,576.71 5,596,809.83
Interchange Collections 3,256,502.87 1,915,589.92
Servicer Interchange 1,593,750.00 937,500.00
Shared Principal Collections 165,451,903.59 97,324,649.17
Ending Series 1997-1 Series 1997-2
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Pool Balance (Principal)
Finance Charges O/S
Excess Funding Account
Initial Invested Amount 1,700,000,000.00 900,000,000.00
Invested Amount 1,530,000,000.00 900,000,000.00
Class A Invested Amount 1,530,000,000.00 900,000,000.00
Class B Invested Amount 0.00 0.00
Principal Funding Account 0.00 0.00
Partial Amortization Amount 0.00 0.00
Adjusted Invested Amount 1,530,000,000.00 900,000,000.00
Class A Adjusted Invested Amt 1,530,000,000.00 900,000,000.00
Class B Adjusted Invested Amt 0.00 0.00
Enhancement Invested Amount 0.00 0.00
Principal Allocation Pct 39.89% 23.46%
Floating Allocation Pct 39.89% 23.46%
</TABLE>
*Note: For purposes of reporting balances, beginning refers to the balances as
of the distribution date in the current Monthly Period, and ending refers to the
balances as of the upcoming Distribution Date. Beginning Floating Allocation
Percentages are based on the Adjusted Invested Amounts as of the last day of the
Monthly Period preceding the current Monthly Period. Ending Floating Allocation
Percentages will be used for next month's allocations.
<PAGE>
BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT
<TABLE>
Distribution Date of: 16-Oct-00 For the Monthly Period Ending: 30-Sep-00 Days in Interest Period (30/360) 30
Determined as of: 10-Oct-00 Monthly Period 71 Days in Interest Period (Act/360) 31
Minimum Balance Requirement
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<S> <C>
Trust Invested Amount 2,952,800,000.00
Trust PFA 0.00
Ending Portfolio Principal Balance 3,835,718,758.19
Beginning Excess Funding Acct Bal 0.00
Required Excess Funding Account Deposit 0.00
Excess Funding Account Withdrawal 0.00
Seller's Participation Amt (w/o EFA) 882,918,758.19
Required Seller's Interest 191,785,937.91
Required Excess Funding Account Balance 0.00
Seller's Participation Amount 882,918,758.19
Seller's Interest Percentage 23.02%
Fraud Losses reassigned to the Seller 0.00
</TABLE>
<TABLE>
Gross Balances of
Accounts Delinquent: (%) ($)
------------------------ ------- -----------------
<S> <C> <C>
30 - 59 days 1.94% 77,369,548.55
60 - 89 days 1.20% 47,884,233.54
90 days + 2.34% 93,502,997.71
Total 30 days + 5.49% 218,756,779.80
Gross Credit Losses 7.61% 24,502,868.02
Net Credit Losses 7.46% 24,028,243.96
Discount Option Receivables 0
Discount Percentage 0.00%
Finance Charge Billed - pool 58,343,503.35
Fees Billed - pool 8,886,732.29
Interest Earned on Collection Account 2,681,215.45
Required Principal Balance 3,310,000,000.00
EFA + Receivables + PFA 3,835,718,758.19
</TABLE>
