ICICI Prudential — Surrender Money Hijacked

I surrendered the above mentioned policy on 12th Oct. I was told that I would be getting 401000 as the surrender value. But, today the value credited to my bank account (SBI bank A/C) was 371000. When I inquired about the short credit of 30000/-, the guy told me that they have been credited to the 3 credit cards that I've used in the past. Now please address my questions.
-> 2 of my 3 credit cards have been closed; On what basis can ICICI do so without my consent?
-> When I was promised that all the amount will be credited to my Bank account the cheque of which i deposited, why they did so even without calling me?
-> This is height of shadowing the customer.

Please address my questions. This is against the interest of customer. I would take appropriate action after getting your reply. I am frustrated with the action of ICICI and will probably end up all my relationship with ICICI henceafter.