Exhibit 99.3

BANK ONE ISSUANCE TRUST

ONEseries Monthly Noteholders’ Statement

Monthly Period: January 2003

The undersigned, a duly authorized representative of Bank One, Delaware, National Association (formerly First USA Bank, National Association) (the “Bank”), as Servicer pursuant to the Transfer and Servicing Agreement, dated as of May 1, 2002 (the “Transfer and Servicing Agreement”), among the Bank, as Transferor, Servicer and Administrator, Bank One Issuance Trust, as Issuer, and Wells Fargo Bank Minnesota, National Association, as Indenture Trustee and Collateral Agent, does hereby certify as follows:

A.    Information Regarding the Current Distribution to Noteholders

1.    The total amount of the distribution to Noteholders on the Payment Date per $1,000 Initial Outstanding Dollar Principal Amount

Tranche	Amount
Class A (2002-1)	1.39778
Class A (2002-2)	3.46667
Class A (2002-3)	2.99167
Class A (2002-4)	2.45000
Class A (2002-5)	1.40722
Class A (2002-6)	1.47333
Class B (2002-1)	1.65278
Class B (2002-2)	1.61500
Class B (2002-3)	1.63389
Class C (2002-1)	2.20056
Class C (2002-2)	2.22889
Class C (2002-3)	3.13333

2.    The amount of the distribution set forth in item 1 in respect of interest on the Notes, per $1,000 Initial Outstanding Dollar Principal Amount

Tranche	Amount
Class A (2002-1)	1.39778
Class A (2002-2)	3.46667
Class A (2002-3)	2.99167
Class A (2002-4)	2.45000
Class A (2002-5)	1.40722
Class A (2002-6)	1.47333
Class B (2002-1)	1.65278
Class B (2002-2)	1.61500
Class B (2002-3)	1.63389
Class C (2002-1)	2.20056
Class C (2002-2)	2.22889
Class C (2002-3)	3.13333

3.    The amount of the distribution set forth in item 1 in respect of principal on the Notes, per $1,000 Initial Outstanding Dollar Principal Amount

Tranche	Amount
Class A (2002-1)	0.00000
Class A (2002-2)	0.00000
Class A (2002-3)	0.00000
Class A (2002-4)	0.00000
Class A (2002-5)	0.00000
Class A (2002-6)	0.00000
Class B (2002-1)	0.00000
Class B (2002-2)	0.00000
Class B (2002-3)	0.00000
Class C (2002-1)	0.00000
Class C (2002-2)	0.00000
Class C (2002-3)	0.00000

B.  Information regarding the tranches of Notes of the ONEseries

1.  Outstanding Dollar Principal Amount and Nominal Liquidation Amount of Tranches of Notes of the ONEseries for the related Monthly Period

Tranche	Initial Outstanding Dollar Principal Amount	Outstanding Dollar Principal Amount	Adjusted Outstanding Dollar Principal Amount	Nominal Liquidation Amount
Class A (2002-1)	1,000,000,000.00	1,000,000,000.00	1,000,000,000.00	1,000,000,000.00
Class A (2002-2)	1,250,000,000.00	1,250,000,000.00	1,250,000,000.00	1,250,000,000.00
Class A (2002-3)	500,000,000.00	500,000,000.00	500,000,000.00	500,000,000.00
Class A (2002-4)	750,000,000.00	750,000,000.00	750,000,000.00	750,000,000.00
Class A (2002-5)	850,000,000.00	850,000,000.00	850,000,000.00	850,000,000.00
Class A (2002-6)	500,000,000.00	500,000,000.00	500,000,000.00	500,000,000.00
Total Class A	4,850,000,000.00	4,850,000,000.00	4,850,000,000.00	4,850,000,000.00
Class B (2002-1)	250,000,000.00	250,000,000.00	250,000,000.00	250,000,000.00
Class B (2002-2)	275,000,000.00	275,000,000.00	275,000,000.00	275,000,000.00
Class B (2002-3)	500,000,000.00	500,000,000.00	500,000,000.00	500,000,000.00
Total Class B	1,025,000,000.00	1,025,000,000.00	1,025,000,000.00	1,025,000,000.00
Class C (2002-1)	250,000,000.00	250,000,000.00	250,000,000.00	250,000,000.00
Class C (2002-2)	225,000,000.00	225,000,000.00	225,000,000.00	225,000,000.00
Class C (2002-3)	175,000,000.00	175,000,000.00	175,000,000.00	175,000,000.00
Total Class C	650,000,000.00	650,000,000.00	650,000,000.00	650,000,000.00
Total	6,525,000,000.00	6,525,000,000.00	6,525,000,000.00	6,525,000,000.00

2.  Nominal Liquidation Amount of Notes of the ONEseries

Tranche	Beginning Nominal Liquidation Amount	Increases from accretion of Principal for Discount Notes	Increases from amounts withdrawn from the Principal Funding Subaccounts in respect of Prefunding Excess Amounts	Reimbursements of prior Nominal Liquidation Amount Deficits from Available Finance Charge Collections	Reductions due to reallocations of Available Principal Collections and Investor Charge-Offs	Reductions due to amounts deposited to the Principal Funding Subaccounts	Ending Nominal Liquidation Amount
Class A (2002-1)	1,000,000,000.00	0.00	0.00	0.00	0.00	0.00	1,000,000,000.00
Class A (2002-2)	1,250,000,000.00	0.00	0.00	0.00	0.00	0.00	1,250,000,000.00
Class A (2002-3)	500,000,000.00	0.00	0.00	0.00	0.00	0.00	500,000,000.00
Class A (2002-4)	750,000,000.00	0.00	0.00	0.00	0.00	0.00	750,000,000.00
Class A (2002-5)	850,000,000.00	0.00	0.00	0.00	0.00	0.00	850,000,000.00
Class A (2002-6)	500,000,000.00	0.00	0.00	0.00	0.00	0.00	500,000,000.00
Total Class A	4,850,000,000.00	0.00	0.00	0.00	0.00	0.00	4,850,000,000.00
Class B (2002-1)	250,000,000.00	0.00	0.00	0.00	0.00	0.00	250,000,000.00
Class B (2002-2)	275,000,000.00	0.00	0.00	0.00	0.00	0.00	275,000,000.00
Class B (2002-3)	500,000,000.00	0.00	0.00	0.00	0.00	0.00	500,000,000.00
Total Class B	1,025,000,000.00	0.00	0.00	0.00	0.00	0.00	1,025,000,000.00
Class C (2002-1)	250,000,000.00	0.00	0.00	0.00	0.00	0.00	250,000,000.00
Class C (2002-2)	225,000,000.00	0.00	0.00	0.00	0.00	0.00	225,000,000.00
Class C (2002-3)	175,000,000.00	0.00	0.00	0.00	0.00	0.00	175,000,000.00
Total Class C	650,000,000.00	0.00	0.00	0.00	0.00	0.00	650,000,000.00
Total	6,525,000,000.00	0.00	0.00	0.00	0.00	0.00	6,525,000,000.00

3.  ONEseries Interest Funding Account Subaccounts

Tranche	Beginning Interest Funding Subaccount Balance	Targeted deposit to the Interest Funding Subaccount with respect to the current period	Previous shortfalls of targeted deposits to the Interest Funding Subaccount	Actual deposit to the Interest Funding Subaccount	Amount withdrawn from the Interest Funding Subaccount for payment to Noteholders		Other Withdrawals	Ending Interest Funding Subaccount Balance
Class A (2002-1)	0.00	1,397,777.78	0.00	1,397,777.78	(1,397,777.78	)	0.00	0.00
Class A (2002-2)	0.00	4,333,333.33	0.00	4,333,333.33	(4,333,333.33	)	0.00	0.00
Class A (2002-3)	0.00	1,495,833.33	0.00	1,495,833.33	(1,495,833.33	)	0.00	0.00
Class A (2002-4)	0.00	1,837,500.00	0.00	1,837,500.00	(1,837,500.00	)	0.00	0.00
Class A (2002-5)	0.00	1,196,138.89	0.00	1,196,138.89	(1,196,138.89	)	0.00	0.00
Class A (2002-6)	0.00	736,666.67	0.00	736,666.67	(736,666.67	)	0.00	0.00
Total Class A	0.00	10,997,250.00	0.00	10,997,250.00	(10,997,250.00	)	0.00	0.00
Class B (2002-1)	0.00	413,194.44	0.00	413,194.44	(413,194.44	)	0.00	0.00
Class B (2002-2)	0.00	444,125.00	0.00	444,125.00	(444,125.00	)	0.00	0.00
Class B (2002-3)	0.00	816,944.44	0.00	816,944.44	(816,944.44	)	0.00	0.00
Total Class B	0.00	1,674,263.89	0.00	1,674,263.89	(1,674,263.89	)	0.00	0.00
Class C (2002-1)	0.00	550,138.89	0.00	550,138.89	(550,138.89	)	0.00	0.00
Class C (2002-2)	0.00	501,500.00	0.00	501,500.00	(501,500.00	)	0.00	0.00
Class C (2002-3)	0.00	548,333.33	0.00	548,333.33	(548,333.33	)	0.00	0.00
Total Class C	0.00	1,599,972.22	0.00	1,599,972.22	(1,599,972.22	)	0.00	0.00
Total	0.00	14,271,486.11	0.00	14,271,486.11	(14,271,486.11	)	0.00	0.00

4. ONEseries Principal Funding Account Subaccounts

Tranche	Beginning Principal Funding Subaccount Balance	Targeted deposit to the Principal Funding Subaccount with respect to the current period	Previous shortfalls of targeted deposits to the Principal Funding Subaccount	Actual deposit to the Principal Funding Subaccount	Amount withdrawn from the Principal Funding Subaccount for payment to Noteholders	Other Withdrawals	Ending Principal Funding Subaccount Balance
Class A (2002-1)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class A (2002-2)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class A (2002-3)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class A (2002-4)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class A (2002-5)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class A (2002-6)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Class A	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class B (2002-1)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class B (2002-2)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class B (2002-3)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Class B	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class C (2002-1)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class C (2002-2)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class C (2002-3)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Class C	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total	0.00	0.00	0.00	0.00	0.00	0.00	0.00

5. ONEseries Class C Reserve Subaccounts

Tranche	Beginning Class C Reserve Subaccount Balance	Class C Reserve Subaccount earnings for the current period	Targeted deposit to the Class C Reserve Subaccount	Actual deposit to the Class C Reserve Subaccount, including Excess Amounts	Amount withdrawn in respect of payment of interest or principal to Noteholders	Withdrawal of Excess Amounts pursuant to subsection 3.25(c) of the Indenture Supplement	Ending Class C Reserve Subaccount Balance
Class C (2002-1)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class C (2002-2)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Class C (2002-3)	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total	0.00	0.00	0.00	0.00	0.00	0.00	0.00

6. Class A Required Subordinated Amount of Class B and Class C Notes and Class A Usage of Class B and Class C Required Subordinated Amounts

Tranche	Required Subordinated Amount of Class B Notes as of the close of business on the related Note Transfer Date	Required Subordinated Amount of Class C Notes as of the close of business on the related Note Transfer Date	Class A Usage of Class B Required Subordinated Amount for the current period	Class A Usage of Class C Required Subordinated Amount for the current period	Cumulative Class A Usage of Class B Required Subordinated Amount	Cumulative Class A Usage of Class C Required Subordinated Amount
Class A (2002-1)	84,795,300.00	84,795,300.00	0.00	0.00	0.00	0.00
Class A (2002-2)	105,994,125.00	105,994,125.00	0.00	0.00	0.00	0.00
Class A (2002-3)	42,397,650.00	42,397,650.00	0.00	0.00	0.00	0.00
Class A (2002-4)	63,596,475.00	63,596,475.00	0.00	0.00	0.00	0.00
Class A (2002-5)	72,076,005.00	72,076,005.00	0.00	0.00	0.00	0.00
Class A (2002-6)	42,397,650.00	42,397,650.00	0.00	0.00	0.00	0.00
Total	411,257,205.00	411,257,205.00	0.00	0.00	0.00	0.00

7. Class B Required Subordinated Amount of Class C Notes and Class B Usage of Class C Required Subordinated Amounts

Tranche	Required Subordinated Amount of Class C Notes as of the close of business on the related Note Transfer Date	Class B Usage of Class C Required Subordinated Amount for the current period	Cumulative Class B Usage of Class C Required Subordinated Amount
Class B (2002-1)	112,007,731.57	0.00	0.00
Class B (2002-2)	123,208,504.73	0.00	0.00
Class B (2002-3)	224,015,463.14	0.00	0.00
Total	459,231,699.43	0.00	0.00

C. Information regarding the performance of the ONEseries

	January Monthly Period		December Monthly Period		November Monthly Period
Portfolio Yield	10.03	%	10.84	%	9.06	%
Less: Base Rate	3.99	%	4.02	%	4.09	%
Excess Spread	6.04	%	6.82	%	4.97	%
Three Month Average Excess Spread	5.94	%
Principal Payment Rate	18.06	%

BANK ONE, DELAWARE, National Association as Servicer
By:	/S/    MICHAEL J. GRUBB
	Michael J. Grubb First Vice President