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: January 16, 2001

                      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 29, 1999, between the trust and The Bank of New York, as Indenture
Trustee.

         On January 16, 2001, The Chase Manhattan Bank ("Chase"), 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.

         On December 31, 2000, J.P. Morgan & Co. Incorporated and The Chase
Manhattan Corporation completed their merger, with the surviving corporation
being named J.P. Morgan Chase & Co. ("J.P. Morgan Chase"). Chase, Chase
Manhattan Bank USA, National Association ("Chase USA") and Morgan Guaranty Trust
Company of New York are subsidiaries of J.P. Morgan Chase.

         During the fourth quarter of 2000, J.P. Morgan Chase implemented a
revised policy for consumer loan charge-offs to conform with a policy statement
adopted by the Federal Financial Institutions Examination Council ("FFIEC"). The
FFIEC policy, originally issued in February 1999, established uniform guidelines
for the charge-off of consumer loans to delinquent, bankrupt, deceased and
fraudulent borrowers. In connection with the implementation of this policy, J.P.
Morgan Chase took a $93 million charge-off for credit card, auto finance and
mortgage loans on a managed basis (i.e., including securitizations) in the
fourth quarter of 2000. Chase and Chase USA do not believe that the revised
charge-off policy will materially affect the interests of holders of the notes.

Item 7(c).  Exhibits

                  Exhibits          Description
                  --------          ---------------
                  20.1              Monthly Statement to Noteholders with
                                    respect to the January 16, 2001
                                    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: January 26, 2001

                                             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 January 16, 2001

EX-20.1

                         Chase Manhattan Bank USA, N.A.
                              Noteholders Statement

                      Chase Credit Card Owner Trust 1999-3

Section 7.3 Indenture                         Distribution Date:       1/16/2001

(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                       460,383.02
                       Total                                       5,457,591.56

        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                          6.80889

(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            9,659,100.00

(v)     Required Owner Trust Spread Account Amount                 9,659,100.00



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