Exhibit 99.3

BANC ONE CREDIT CARD MASTER TRUST—SUMMARY REPORT

Series 1996-A

Distribution Date of:		16-Sep-02
Determined as of:		10-Sep-02
For the Monthly Period Ending:		31-Aug-02
Days in Interest Period (30/360)		30
Days in Interest Period (Actual/360)		32

		Beginning	Ending	Change
Pool Balance (Principal)		3,174,840,371.77	3,162,413,163.48	(12,427,208.29	)
Excess Funding Account		0.00	0.00	0.00

Invested Amount		500,000,000.00	500,000,000.00	0.00
Class A Invested Amount		465,000,000.00	465,000,000.00	0.00
Class B Invested Amount		35,000,000.00	35,000,000.00	0.00

Principal Funding Account		139,500,000.00	186,000,000.00	46,500,000.00

Adjusted Invested Amount		360,500,000.00	314,000,000.00	(46,500,000.00	)
Class A Adjusted Invested Amount		325,500,000.00	279,000,000.00	(46,500,000.00	)
Class B Adjusted Invested Amount		35,000,000.00	35,000,000.00	0.00
Enhancement Invested Amount		0.00	0.00	0.00

Reserve Account		1,250,000.00	1,250,000.00	0.00

Available Cash Collateral Amount		36,050,000.00	31,400,000.00	(4,650,000.00	)
Available Shared Collateral Amount		36,050,000.00	31,400,000.00	(4,650,000.00	)
Spread Account		5,000,000.00	5,000,000.00	0.00

Servicing Base Amount		360,500,000.00	314,000,000.00	(46,500,000.00	)

Allocation Percentages
Floating Allocation Pct		12.82%
Principal Allocation Pct		15.75%
Class A Floating Pct		91.40%
Class B Floating Pct		8.60%
Class A Principal Pct		93.00%
Class B Principal Pct		7.00%

Allocations	Trust	Series 1996-A	Class A	Class B
Principal Collections	354,763,159.07	55,871,023.00	51,960,051.40	3,910,971.60

Finance Charge Collections	50,698,543.21	6,499,321.13	5,940,411.44	558,909.69
PFA Investment Proceeds	N/A	184,777.24	184,777.24	0.00
Reserve Account Draw	N/A	63,222.76	63,222.76	0.00
Less: Servicer Interchange		520,833.33	476,044.22	44,789.11

Available Funds		6,226,487.80	5,712,367.22	514,120.58

Monthly Investor Obligations
Monthly Interest		892,777.78	826,666.67	66,111.11
Monthly Servicing Fee		75,104.17	68,645.59	6,458.58
Defaulted Amounts	15,599,489.66	1,999,783.15	1,827,811.63	171,971.52

Total Obligations		2,967,665.10	2,723,123.89	244,541.21

Excess Spread		3,430,794.22	2,989,243.33	441,550.89
Required Amount		0.00	0.00	0.00

1 Mo. Libor Rate	1.780000%

Cash Collateral Account
Cash Collateral Fee			20,027.78
Interest on CCA Draw			0.00

Monthly Cash Collateral Fee			20,027.78

BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT Series 1996-A

Cash Collateral Account (continued)
Quarterly Excess Spread Percentage		8.70%
Principal Payment Rate—3 month average		10.98%
Calculated Current Month’s Spread Account Cap		1.00%
Spread Account Cap Adjustment		0.00%
Applicable Spread Account Cap Percentage		1.00%
Beginning Cash Collateral Amount		36,050,000.00
Required Cash Collateral Amount		31,400,000.00
Cash Collateral Account draw		0.00
Cash Collateral Account Surplus		4,650,000.00
Beginning Spread Account Balance		5,000,000.00
Required Spread Account Amount		5,000,000.00
Required Spread Account Draw		0.00
Required Spread Account Deposit		0.00
Spread Account Surplus		0.00

Monthly Principal & Controlled Deposit Amount
Month of Accumulation		4
Controlled Accumulation Amount		46,500,000.00
Required PFA Balance		186,000,000.00
Beginning PFA Balance		139,500,000.00
Controlled Deposit Amount		46,500,000.00
Available Investor Principal Collections		57,870,806.15
Principal Shortfall		0.00
Shared Principal to Other Series		11,370,806.15
Shared Principal from Other Series		0.00
Class A Monthly Principal		46,500,000.00
Class B Monthly Principal		0.00
Monthly Principal		46,500,000.00
PFA Deposit		46,500,000.00
PFA Withdrawl		0.00
Ending PFA Balance		186,000,000.00
Principal to Investors		0.00
Ending Class A Invested Amount		465,000,000.00
Ending Class B Invested Amount		35,000,000.00

Class A Accumulation Period Length
Min 12 Month Historical Prin Pmt Rate		10.13%
Revolving Investor Interest		500,000,000.00
Class A Invested Amount		465,000,000.00
Available Principal		50,630,256.34
Class A Accumulation Period Length		10

Reserve Account
Available Reserve Account Amount		1,250,000.00
Covered Amount		248,000.00
Reserve Draw Amount		63,222.76
Portfolio Yield		12.06%
Reserve Account Factor		83.33%
Portfolio Adjusted Yield		9.05%
Reserve Account Funding Period Length		3
Reserve Account Funding Date		15-Mar-02
Weighted Average Coupon		2.14%
Required Reserve Account Amount		1,250,000.00
Reserve Account Surplus		0.00
Required Reserve Account Deposit		63,222.76
Portfolio Yield—3 month average		12.85%
Base Rate—3 month average		3.70%
(Portfolio Yield 3 mo avg)—(Base Rate 3 mo avg)		9.15%

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. The Floating Allocation Percentage is based on the Adjusted Invested Amount as of the last day of the Monthly Period preceding the current Monthly Period.

BANC ONE CREDIT CARD MASTER TRUST 8-K