UNITED STATES
                       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):   April 15, 2005

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

                    JPMORGAN CHASE BANK, NATIONAL ASSOCIATION
                       (formerly known as "Chemical Bank")
                             (Sponsor of the Trust)


--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

New York                          033-94190          13-4994650
----------------------------      ------------       -------------------
(State or other jurisdiction      (Commission        (IRS Employer
of incorporation)                 File Number)       Identification No.)

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

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


--------------------------------------------------------------
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))
<PAGE>

Section 8 - Other Events

Item 8.01 Other Events.

Chase Credit Card Master Trust, which was formerly known as Chemical Master
Credit Card Trust I, is the issuer of a number of outstanding series of asset
backed certificates. The asset backed certificates are serviced in accordance
with the Third Amended and Restated Pooling and Servicing Agreement, dated as of
December 17, 1999, as amended. The parties to the Pooling and Servicing
Agreement, as amended, are JPMorgan Chase Bank, National Association (f/k/a The
Chase Manhattan Bank), as transferor prior to June 1, 1996, Chase Bank USA,
National Association (f/k/a Chase Manhattan Bank USA, National Association)
("Chase USA"), as transferor after June 1, 1996, and as servicer and The Bank of
New York, as trustee.

On or about April 15, 2005, Chase USA, as servicer, distributed monthly payments
to the holders of the Series 1996-2 and Series 1996-3 certificates. Chase USA
furnished copies of monthly certificateholders' reports for each of those series
as required by the Pooling and Servicing Agreement. Copies of those monthly
certificateholders' reports are being filed as an exhibit to this Current Report
on Form 8-K.

The Office of the Comptroller of the Currency ("OCC") has recently provided new
interpretive guidance to Chase USA and other OCC regulated banks that will
result in an increase in the minimum payments due on a portion of the accounts
in Chase USA's servicing portfolio when fully implemented by Chase USA. The OCC
guidance is intended to be responsive to concerns raised by the Federal
Financial Institutions Examination Council that minimum payment requirements
currently used by credit card lenders increase credit risk and mask portfolio
quality and that credit card lenders ought to require minimum payments that
amortize outstanding account balances over a reasonable period of time.

Chase USA expects to implement the increased minimum payment requirement in
stages commencing in the third quarter of 2005 with full implementation expected
by the end of the first quarter of 2006. Chase USA expects that such change in
the minimum payment requirement is likely to result in an increase in
delinquencies and charge-offs in the accounts in each of the First USA Master
Trust, the Chase Master Trust and the master owner trust, although Chase USA
cannot predict with any degree of certainty the effect of any such increase.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits.

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

   99.1         Monthly Reports with respect to the April 15, 2005 distribution.
<PAGE>

                                   SIGNATURES

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.


                                                CHASE BANK USA, NATIONAL
                                                ASSOCIATION, as Servicer


                                                By: /s/ Patricia M. Garvey
                                                   ---------------------------
                                                Name: Patricia M. Garvey
                                                Title: Vice President
                                                Date: April 21, 2005
<PAGE>

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

Exhibit No.                  Description
-----------                  --------------
  99.1                       Monthly Reports with respect to the distribution
                             to certificateholders on April 15, 2005.
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UNITED STATES
                       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):   April 15, 2005

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

                    JPMORGAN CHASE BANK, NATIONAL ASSOCIATION
                       (formerly known as "Chemical Bank")
                             (Sponsor of the Trust)

--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)

New York                          033-94190          13-4994650
----------------------------      ------------       -------------------
(State or other jurisdiction      (Commission        (IRS Employer
of incorporation)                 File Number)       Identification No.)

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

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

--------------------------------------------------------------
(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

|_|   Written communications pursuant to Rule 425 under the Securities Act (17
      CFR 230.425)

|_|   Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
      240.14a-12)

|_|   Pre-commencement communications pursuant to Rule 14d-2(b) under the
      Exchange Act (17 CFR 240.14d-2(b))

|_|   Pre-commencement communications pursuant to Rule 13e-4(c) under the
      Exchange Act (17 CFR 240.13e-4(c))
Section 8 - Other Events

Item 8.01 Other Events.

Chase Credit Card Master Trust, which was formerly known as Chemical Master
Credit Card Trust I, is the issuer of a number of outstanding series of asset
backed certificates. The asset backed certificates are serviced in accordance
with the Third Amended and Restated Pooling and Servicing Agreement, dated as of
December 17, 1999, as amended. The parties to the Pooling and Servicing
Agreement, as amended, are JPMorgan Chase Bank, National Association (f/k/a The
Chase Manhattan Bank), as transferor prior to June 1, 1996, Chase Bank USA,
National Association (f/k/a Chase Manhattan Bank USA, National Association)
("Chase USA"), as transferor after June 1, 1996, and as servicer and The Bank of
New York, as trustee.

On or about April 15, 2005, Chase USA, as servicer, distributed monthly payments
to the holders of the Series 1996-2 and Series 1996-3 certificates. Chase USA
furnished copies of monthly certificateholders' reports for each of those series
as required by the Pooling and Servicing Agreement. Copies of those monthly
certificateholders' reports are being filed as an exhibit to this Current Report
on Form 8-K.

The Office of the Comptroller of the Currency ("OCC") has recently provided new
interpretive guidance to Chase USA and other OCC regulated banks that will
result in an increase in the minimum payments due on a portion of the accounts
in Chase USA's servicing portfolio when fully implemented by Chase USA. The OCC
guidance is intended to be responsive to concerns raised by the Federal
Financial Institutions Examination Council that minimum payment requirements
currently used by credit card lenders increase credit risk and mask portfolio
quality and that credit card lenders ought to require minimum payments that
amortize outstanding account balances over a reasonable period of time.

Chase USA expects to implement the increased minimum payment requirement in
stages commencing in the third quarter of 2005 with full implementation expected
by the end of the first quarter of 2006. Chase USA expects that such change in
the minimum payment requirement is likely to result in an increase in
delinquencies and charge-offs in the accounts in each of the First USA Master
Trust, the Chase Master Trust and the master owner trust, although Chase USA
cannot predict with any degree of certainty the effect of any such increase.

Section 9 - Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits.

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

   99.1         Monthly Reports with respect to the April 15, 2005 distribution.
SIGNATURES

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.

                                                CHASE BANK USA, NATIONAL
                                                ASSOCIATION, as Servicer

                                                By: /s/ Patricia M. Garvey
                                                   ---------------------------
                                                Name: Patricia M. Garvey
                                                Title: Vice President
                                                Date: April 21, 2005
INDEX TO EXHIBITS
                             -----------------

Exhibit No.                  Description
-----------                  --------------
  99.1                       Monthly Reports with respect to the distribution
                             to certificateholders on April 15, 2005.