<PAGE>

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

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

                        Date of Report: January 7, 1997


                         CHASE CREDIT CARD MASTER TRUST
           (formerly known as "Chemical Master Credit Card Trust I")
           (Series 1995-1, 1995-2, 1995-3, 1996-1, 1996-2 and 1996-3)
           ----------------------------------------------------------
                             (Issuer of Securities)

       CHASE MANHATTAN BANK USA, N.A. (formerly known as 'Chemical Bank')
                             (Sponsor of the Trust)
             (Exact name of registrant as specified in its charter)




     New York                  33-94190                  13-4994650
  ---------------            -------------             ---------------
  (State or other            (Commission               (IRS Employer
  jurisdiction of            File Number)              Identification No.)


               270 Park Avenue, New York               10017
        ----------------------------------------     ----------
        (Address of principal executive offices)     (Zip Code)


    Registrant's telephone number, including area code:  (212)  270-6000


<PAGE>


Item 5.  Other Events.
         -------------

     On or about October 15, 1996, Monthly Interest as defined in the Pooling
and Servicing Agreement dated as of October 19, 1995 (the "Agreement") between
The Chase Manhattan Bank (formerly known as 'Chemical Bank') and The Bank of
New York, as Trustee (the "Trustee"), was distributed to holders 
("Certificateholders") of participations in the Chase Credit Card Master 
Trust (formerly known as "Chemical Master Credit Card Trust I") for 
Series 1995-1, 1995-2, 1995-3, 1996-1, 1996-2 and 1996-3 in accordance with the
Agreement.  A copy of the applicable Monthly Report for the month ended 
October 31, 1996, as defined in the Agreement, has been furnished to each 
Certificateholders in accordance with the Agreement.  Copies of those Monthly
Reports are being filed as Exhibit 20.1 to this Current Report on Form 8-K.


Item 7(c).  Exhibits
            --------

            Exhibit No.           Description
            -----------            -----------

              20.1                 Monthly Reports with respect to the
                                   October 15, 1996 distribution

<PAGE>




                                   SIGNATURES
                                   ----------


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


                                                 THE CHASE MANHATTAN BANK
                                                 As Servicer


                                                 By: /s/Richard L. Craig
                                                    --------------------
                                                 Name:  Richard L. Craig
                                                 Title: Managing Director

Dated:  January 7, 1997

<PAGE>

                               INDEX TO EXHIBITS
                               -----------------


           Exhibit Nos.                 Description
           -----------                  -----------
 
            20.1                  Monthly Reports with respect to the 
                                  October 15, 1996 distribution
[{"type": "8-K", "sequence": "1", "description": "FORM 8-K AS OF 1/7/97", "secsgml_size_bytes": 3714}]
{"company-data": {"conformed-name": "CHASE CREDIT CARD MASTER TRUST", "cik": "0001004988", "assigned-sic": "6189", "irs-number": "134994650", "state-of-incorporation": "NY", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-28388", "film-number": "97502038"}, "business-address": {"street1": "270 PARK AVE", "city": "NEW YORK", "state": "NY", "zip": "10017-3909", "phone": "2122706000"}, "mail-address": {"street1": "270 PARK AVENUE", "street2": "40TH FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10017"}, "former-company": {"former-conformed-name": "CHEMICAL MASTER CREDIT CARD TRUST I", "date-changed": "19951219"}}
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: January 7, 1997

                         CHASE CREDIT CARD MASTER TRUST
           (formerly known as "Chemical Master Credit Card Trust I")
           (Series 1995-1, 1995-2, 1995-3, 1996-1, 1996-2 and 1996-3)
           ----------------------------------------------------------
                             (Issuer of Securities)

       CHASE MANHATTAN BANK USA, N.A. (formerly known as 'Chemical Bank')
                             (Sponsor of the Trust)
             (Exact name of registrant as specified in its charter)

     New York                  33-94190                  13-4994650
  ---------------            -------------             ---------------
  (State or other            (Commission               (IRS Employer
  jurisdiction of            File Number)              Identification No.)

               270 Park Avenue, New York               10017
        ----------------------------------------     ----------
        (Address of principal executive offices)     (Zip Code)

    Registrant's telephone number, including area code:  (212)  270-6000
Item 5.  Other Events.
         -------------

     On or about October 15, 1996, Monthly Interest as defined in the Pooling
and Servicing Agreement dated as of October 19, 1995 (the "Agreement") between
The Chase Manhattan Bank (formerly known as 'Chemical Bank') and The Bank of
New York, as Trustee (the "Trustee"), was distributed to holders 
("Certificateholders") of participations in the Chase Credit Card Master 
Trust (formerly known as "Chemical Master Credit Card Trust I") for 
Series 1995-1, 1995-2, 1995-3, 1996-1, 1996-2 and 1996-3 in accordance with the
Agreement.  A copy of the applicable Monthly Report for the month ended 
October 31, 1996, as defined in the Agreement, has been furnished to each 
Certificateholders in accordance with the Agreement.  Copies of those Monthly
Reports are being filed as Exhibit 20.1 to this Current Report on Form 8-K.

Item 7(c).  Exhibits
            --------

            Exhibit No.           Description
            -----------            -----------

              20.1                 Monthly Reports with respect to the
                                   October 15, 1996 distribution
SIGNATURES
                                   ----------

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

                                                 THE CHASE MANHATTAN BANK
                                                 As Servicer

                                                 By: /s/Richard L. Craig
                                                    --------------------
                                                 Name:  Richard L. Craig
                                                 Title: Managing Director

Dated:  January 7, 1997
INDEX TO EXHIBITS
                               -----------------

           Exhibit Nos.                 Description
           -----------                  -----------
 
            20.1                  Monthly Reports with respect to the 
                                  October 15, 1996 distribution