Exhibit 99.1

CC MASTER CREDIT CARD TRUST II

Excess Spread Analysis—March 2003

Series			1996-C			1998-A	*
Deal Size		$	271.50 MM		$	600 MM
Expected Maturity			02/16/04			09/15/03
Yield			19.39	%		11.47	%
Less:	Coupon		1.52	%		1.55	%
	Servicing Fee		1.50	%		0.62	%
	Net Credit Losses		7.78	%		4.00	%
Excess Spread
	March-03		8.59	%		5.30	%
	February-03		5.35	%		3.99	%
	January-03		7.31	%		5.92	%
Three Month Average Excess Spread			7.08	%		5.07	%
Delinquency:
	30 to 59 days		2.30	%		2.30	%
	60 to 89 days		1.65	%		1.65	%
	90 + days		3.47	%		3.47	%
	Total		7.42	%		7.42	%
Payment Rate			12.84	%		12.84	%