<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: April 4, 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)


          THE CHASE MANHATTAN BANK (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 January 15, 1997, 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 ("CHAMT") (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 
December 31, 1996, as defined in the Agreement, has been furnished to each 
Certificateholder 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.

     On or about February 18, 1997, Monthly Interest was distributed to 
Certificateholders of participations in the CHAMT 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 January 31, 1997 has been 
furnished to each Certificateholder in accordance with the Agreement.  Copies 
of those Monthly Reports are being filed as Exhibit 20.2 to this Current Report 
on Form 8-K.

     Portfolio yield for the CHAMT for the January 1997 reporting period 
reflects lower finance charge collections and interchange as a percentage of 
the outstanding portfolio balance relative to December 1996.  As compared to the
December monthly period, the reduction in yield is accentuated by (a) the
fact that the December yield is relatively high as a result of a seasonal
increase in interchange in December; (b) the previously reported inclusion in 
December of one day of collections which was not posted in the November monthly 
period; and (c) relatively strong portfolio growth in December resulting in 
a relatively high month-end portfolio balance against which finance charge
collections are measured.  Excess spread for all outstanding series of CHAMT 
remains positive in January 1997.

     On or about March 17, 1997, Monthly Interest was distributed to 
Certificateholders of participations in the CHAMT 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 February 28, 1997 
has been furnished to each Certificateholder in accordance with the Agreement.  
Copies of those Monthly Reports are being filed as Exhibit 20.3 to this 
Current Report on Form 8-K.

     The following table outlines the number of collection days expected to
fall in each only reporting period of the CHAMT for 1997.  Portfolio yield for 
CHAMT may vary from month to month due to, among other factors, the number of 
collection days included in the monthly reporting period.

<PAGE>

Chase Credit Card
Actual Collection Day Counts

Nov. 1996       23
Dec. 1996       26
Jan. 1997       25

1997 - Expected Collection Day Counts

Feb. 1997       23
Mar. 1997       26
Apr. 1997       26
May 1997        25
June 1997       26
July 1997       26
Aug. 1997       26
Sep. 1997       25
Oct. 1997       26
Nov. 1997       23
Dec. 1997       26

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

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

              20.1                 Monthly Reports with respect to the
                                   January 15, 1997 distribution

              20.2                 Monthly Reports with respect to the
                                   February 18, 1997 distribution

              20.3                 Monthly Reports with respect to the
                                   March 17, 1997 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/Frank A. DeGenova
                                                    ---------------------
                                                 Name:  Frank A. DeGenova
                                                 Title: Vice President

Dated:  April 4, 1997


<PAGE>


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


           Exhibit Nos.                 Description
           -----------                  -----------
 
              20.1                 Monthly Reports with respect to the 
                                   January 15, 1997 distribution

              20.2                 Monthly Reports with respect to the
                                   February 18, 1997 distribution

              20.3                 Monthly Reports with respect to the
                                   March 17, 1997 distribution
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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: April 4, 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)

          THE CHASE MANHATTAN BANK (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 January 15, 1997, 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 ("CHAMT") (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 
December 31, 1996, as defined in the Agreement, has been furnished to each 
Certificateholder 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.

     On or about February 18, 1997, Monthly Interest was distributed to 
Certificateholders of participations in the CHAMT 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 January 31, 1997 has been 
furnished to each Certificateholder in accordance with the Agreement.  Copies 
of those Monthly Reports are being filed as Exhibit 20.2 to this Current Report 
on Form 8-K.

     Portfolio yield for the CHAMT for the January 1997 reporting period 
reflects lower finance charge collections and interchange as a percentage of 
the outstanding portfolio balance relative to December 1996.  As compared to the
December monthly period, the reduction in yield is accentuated by (a) the
fact that the December yield is relatively high as a result of a seasonal
increase in interchange in December; (b) the previously reported inclusion in 
December of one day of collections which was not posted in the November monthly 
period; and (c) relatively strong portfolio growth in December resulting in 
a relatively high month-end portfolio balance against which finance charge
collections are measured.  Excess spread for all outstanding series of CHAMT 
remains positive in January 1997.

     On or about March 17, 1997, Monthly Interest was distributed to 
Certificateholders of participations in the CHAMT 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 February 28, 1997 
has been furnished to each Certificateholder in accordance with the Agreement.  
Copies of those Monthly Reports are being filed as Exhibit 20.3 to this 
Current Report on Form 8-K.

     The following table outlines the number of collection days expected to
fall in each only reporting period of the CHAMT for 1997.  Portfolio yield for 
CHAMT may vary from month to month due to, among other factors, the number of 
collection days included in the monthly reporting period.
Chase Credit Card
Actual Collection Day Counts

Nov. 1996       23
Dec. 1996       26
Jan. 1997       25

1997 - Expected Collection Day Counts

Feb. 1997       23
Mar. 1997       26
Apr. 1997       26
May 1997        25
June 1997       26
July 1997       26
Aug. 1997       26
Sep. 1997       25
Oct. 1997       26
Nov. 1997       23
Dec. 1997       26

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

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

              20.1                 Monthly Reports with respect to the
                                   January 15, 1997 distribution

              20.2                 Monthly Reports with respect to the
                                   February 18, 1997 distribution

              20.3                 Monthly Reports with respect to the
                                   March 17, 1997 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/Frank A. DeGenova
                                                    ---------------------
                                                 Name:  Frank A. DeGenova
                                                 Title: Vice President

Dated:  April 4, 1997
INDEX TO EXHIBITS
                               -----------------

           Exhibit Nos.                 Description
           -----------                  -----------
 
              20.1                 Monthly Reports with respect to the 
                                   January 15, 1997 distribution

              20.2                 Monthly Reports with respect to the
                                   February 18, 1997 distribution

              20.3                 Monthly Reports with respect to the
                                   March 17, 1997 distribution