USAFAN-
Given who signs my paychecks , I have it on very good authority that:
Bank One Corporation is the holding company that comprises a number of bank and non-bank subsidiaries. Bank One, N.A. is the lead bank in the company, but there are others that are chartered in other states as well.
First USA is a "credit card bank" in that it is a chartered bank but operates only to issue CC's.
Bottom line: from your perspective they're probably best viewed as one company, but legally they have to ask whether you've been denied, etc, etc, from different legal entities.
Best wishes.
P.S. - Danville 1k: It was Bank One that purchased First USA a few years ago,,,,approximately at the time that Bank One and First Chicago NBD merged.....

[This message has been edited by bseller (edited 08-17-2002).]