I have Applied for an SBI Credit card for booking Railway tickets, so that can get discounts. But I could not use it online, so i have never used this card. Now i am getting a call saying since i have not used this card i have to cancel this, by paying Rs.3800. When i asked for the reason, they are saying we need to pay. Otherwise they will send a legal notice and make sure that i will not be able to use any of my bank accounts.