I had a City Bank Credit card during 98 and it was closed during 2002. in 1999, i booked two trains tickets from Delhi to Chennai for Rs.2500/-(approximately) and immediately it was cancelled. However, the credit was not given back even when i closed the account. Between 99 to 2002, I paid huge amount towards late payment fee, etc. Now, when i dig my old records, I found city bank issued a letter stating that whenever they get the credit, they will revert. With that can I go for a claim against City Bank ?