<PAGE>
EXHIBIT 99.1
BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT
<TABLE>
<CAPTION>
Distribution Date of: 15-Mar-00 For the Monthly Period Ending: 29-Feb-00 Days in Interest Period (30/360) 30
Determined as of: 09-Mar-00 Monthly Period 64 Days in Interest Period (Act/360) 29
Beginning Total Trust Investor Interest Series 1995-A Series 1995-B Series 1996-A
------------------------ ------------ ----------------- -------------- -------------- --------------
<S> <C> <C> <C> <C> <C>
Pool Balance (Principal) 4,134,989,349.14
Finance Charges O/S 158,242,981.27
Excess Funding Account 0.00
Initial Invested Amount 3,860,000,000.00 380,000,000.00 380,000,000.00 500,000,000.00
Invested Amount 3,690,000,000.00 380,000,000.00 380,000,000.00 500,000,000.00
Class A Invested Amount 357,200,000.00 357,200,000.00 465,000,000.00
Class B Invested Amount 22,800,000.00 22,800,000.00 35,000,000.00
Principal Funding Account 119,066,666.67 119,066,666.67 0.00 0.00
Adjusted Invested Amount 3,570,933,333.33 260,933,333.33 380,000,000.00 500,000,000.00
Class A Adjusted Invested Amt 238,133,333.33 357,200,000.00 465,000,000.00
Class B Adjusted Invested Amt 22,800,000.00 22,800,000.00 35,000,000.00
Enhancement Invested Amount 0.00 0.00 0.00 0.00
Principal Allocation Pct 100.00% 93.35% 9.19% 9.19% 12.09%
Principal Collections 456,467,485.57 426,111,011.55 41,948,752.43 41,948,752.43 55,195,726.88
Floating Allocation Pct 100.00% 91.91% 7.75% 9.19% 12.09%
Finance Charge Collections 75,092,671.87 69,017,637.60 5,819,772.73 6,900,916.28 9,080,153.00
Defaulted Amount 29,277,249.96 26,908,705.97 2,269,022.22 2,690,540.18 3,540,184.45
Interchange Collections 8,014,350.95 7,365,986.00 621,121.87 736,508.15 969,089.67
Servicer Interchange 3,929,238.51 395,833.33 395,833.33 520,833.33
Shared Principal Collections 408,801,942.86 0.00 44,639,292.61 58,735,911.33
</TABLE>
<TABLE>
<CAPTION>
Ending Total Trust Investor Interest Series 1995-A Series 1995-B Series 1996-A
----------------------- ------------ ----------------- -------------- -------------- --------------
<S> <C> <C> <C> <C> <C>
Pool Balance (Principal) 4,064,132,311.96
Finance Charges O/S 153,625,544.37
Excess Funding Account 0.00
Initial Invested Amount 3,860,000,000.00 380,000,000.00 380,000,000.00 500,000,000.00
Invested Amount 3,690,000,000.00 380,000,000.00 380,000,000.00 500,000,000.00
Class A Invested Amount 357,200,000.00 357,200,000.00 465,000,000.00
Class B Invested Amount 22,800,000.00 22,800,000.00 35,000,000.00
Principal Funding Account 178,600,000.00 178,600,000.00 0.00 0.00
Partial Amortization Amount 0.00 0.00 0.00 0.00
Adjusted Invested Amount 3,511,400,000.00 201,400,000.00 380,000,000.00 500,000,000.00
Class A Adjusted Invested Amt 178,600,000.00 357,200,000.00 465,000,000.00
Class B Adjusted Invested Amt 22,800,000.00 22,800,000.00 35,000,000.00
Enhancement Invested Amount 0.00 0.00 0.00 0.00
Principal Allocation Pct 100.00% 90.79% 9.35% 9.35% 12.30%
Floating Allocation Pct 100.00% 87.86% 6.42% 9.35% 12.30%
<CAPTION>
Distribution Date of: 15-Mar-00 For the Monthly Period Ending: 29-Feb-00 Days in Interest Period (30/360) 30
Determined as of: 09-Mar-00 Monthly Period 64 Days in Interest Period (Act/360) 29
Beginning Series 1997-1 Series 1997-2
------------------------ -------------- --------------
<S> <C> <C>
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 41.11% 21.77%
Principal Collections 187,665,471.41 99,352,308.39
Floating Allocation Pct 41.11% 21.77%
Finance Charge Collections 30,872,520.19 16,344,275.40
Defaulted Amount 12,036,627.12 6,372,332.00
Interchange Collections 3,294,904.89 1,744,361.41
Servicer Interchange 1,679,238.51 937,500.00
Shared Principal Collections 199,702,098.52 105,724,640.40
</TABLE>
<TABLE>
<CAPTION>
Ending Series 1997-1 Series 1997-2
------------------------ -------------- --------------
<S> <C> <C>
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 37.65% 22.14%
Floating Allocation Pct 37.65% 22.14%
</TABLE>
<PAGE>
BANC ONE CREDIT CARD MASTER TRUST - SERIES ALLOCATION REPORT
<TABLE>
<S> <C> <C>
Distribution Date of: 15-Mar-00 For the Monthly Period Ending: 29-Feb-00 Days in Interest Period (30/360) 30
Determined as of: 09-Mar-00 Monthly Period 64 Days in Interest Period (Act/360) 29
</TABLE>
<TABLE>
<CAPTION>
Minimum Balance Requirements Gross Balances of
----------------------------
Trust Initial Invested Amount 3,860,000,000.00 Accounts Delinquent: (%) ($)
-------------------- ---- -------------
<S> <C> <C> <C> <C>
Trust PFA 119,066,666.67 30 - 59 days 1.91% 80,731,937.50
Ending Portfolio Principal Balance 4,064,132,311.96 60 - 89 days 1.36% 57,407,453.71
90 days + 3.17% 133,868,306.39
Beginning Excess Funding Acct Bal 0.00 Total 30 days + 6.45% 272,007,697.60
Required Excess Funding Account Deposit 0.00
Excess Funding Account Withdrawal 0.00
Seller's Participation Amt (w/o EFA) 493,198,978.63 Gross Credit Losses 8.78% 30,251,003.98
Required Seller's Interest 203,206,615.60 Net Credit Losses 8.50% 29,277,249.96
Required Excess Funding Account Balance 0.00 Discount Option Receivables 0
Seller's Participation Amount 493,198,978.63 Discount Percentage 0.00%
Seller's Interest Percentage 12.14% Finance Charge Billed - pool 56,522,960.07
Fees Billed - pool 9,795,104.37
Fraud Losses reassigned to the Seller 0.00 Interest Earned on Collection Account 2,511,631.23
Required Principal Balance 3,690,000,000.00
EFA + Receivables + PFA 4,183,198,978.63
</TABLE>