8-K

                       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: May 15, 2000


                      CHASE CREDIT CARD OWNER TRUST 1999-3
 -------------------------------------------------------------------------------
                             (Issuer of Securities)



                 CHASE MANHATTAN BANK, USA, NATIONAL ASSOCIATION
 -------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)



       United States                   333-74303                 22-2382028
- ----------------------------    ------------------------     -------------------
(State or other jurisdiction    (Commission File Number)        IRS Employer
     of incorporation)                                       Identification No.)



               802 Delaware Avenue, Wilmington, DE         19801
            ---------------------------------------      ----------
            (Address of principal executive offices)     (Zip Code)



       Registrant's telephone number, including area code: (302) 575-5050







Item 5.  Other Events:

         Chase Credit Card Owner Trust 1999-3 is the issuer of three classes of
asset backed notes. The notes were issued under an indenture, dated as of
September 1, 1999, between the trust and The Bank of New York, as Indenture
Trustee.

         On May 15, 2000, The Chase Manhattan Bank, as Paying Agent, distributed
monthly interest to the holders of the notes, and provided to holders a report
including the information required by Section 7.3 of the Indenture. A copy of
the statement provided to the holders of the notes is being filed as Exhibit
20.1 to this Current Report on Form 8-K.


Item 7(c).   Exhibits

             Exhibits        Description
             ----------      ---------------

             20.1            Monthly  Statement to Noteholders with respect to
                             the May 15, 2000 distribution.








                                   SIGNATURES

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

Dated:  May 24, 2000

                                   By: THE CHASE MANHATTAN BANK, USA,
                                       NATIONAL ASSOCIATION
                                       as Administrator


                                       By:  /s/ Patricia Garvey
                                       -----------------------------------
                                       Name:    Patricia Garvey
                                       Title:   Vice President







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


Exhibit No.                            Description
- ---------------                        -----------------
20.1                                   Statement to Noteholders dated 5/15/2000

EX-20.1

                         Chase Manhattan Bank USA, N.A.
                              Noteholders Statement

                      Chase Credit Card Owner Trust 1999-3



Section 7.3 Indenture                               Distribution Date: 5/15/2000
- --------------------------------------------------------------------------------

(i)   Amount of the distribution allocable to principal of the Notes
             Class A Principal Payment                             0.00
             Class B Principal Payment                             0.00
             Class C Principal Payment                             0.00
                       Total

      Amount of the distribution allocable to the principal on the Notes per
      $1,000 of the initial principal balance of the Notes
             Class A Principal Payment                             0.00
             Class B Principal Payment                             0.00
             Class C Principal Payment                             0.00
                       Total

(ii)  Amount of the distribution allocable to the interest on the Notes
             Class A Note Interest Requirement             4,717,500.00
             Class B Note Interest Requirement               279,708.54
             Class C Note Interest Requirement               372,333.27
                       Total                               5,369,541.81

      Amount of the distribution allocable to the interest on the Notes per
      $1,000 of the initial principal balance of the Notes
             Class A Note Interest Requirement                  5.55000
             Class B Note Interest Requirement                  5.79167
             Class C Note Interest Requirement                  5.50667

(iii) Aggregate Outstanding Principal Balance of the Notes
             Class A Note Principal Balance                 850,000,000
             Class B Note Principal Balance                  48,295,000
             Class C Note Principal Balance                  67,615,000

(iv)  Amount on deposit in Owner Trust Spread Account     14,488,650.00

(v)   Required Owner Trust Spread Account Amount          14,488,650.00



                                             By:
                                                    ----------------------------
                                             Name:  Patricia M. Garvey
                                             Title: Vice President


- --------------------------------------------------------------------------------