State Bank Of India [SBI] — sbi education loan

Address: Mumbai City, Maharashtra, 410210

I am writing to you regarding my loan application rejected at sbi kharghar sector-21 branch. I am going to the bank everyday since november 2017 it's been 8 months now.

The reason my application was rejected as the bank stated was that my dad's cibil report shows a balance credit card payment of 45000, my dad's credit score is 748 which is healthy also we are willing to settle the remaining amount on the card but still the bank is unwilling to take the process ahead.

I understand that it is justified for the bank to decline my application since the amount that is due is high on my father's cibil, but why did it take 8 months just to find this cibil report? They could have checked this initially and asked me to back out right away then when i started.
Every month they came up with a new requirement, and they also issued me a provisional approval letter based on the check they did, how come i got a provisional certificate if my dad's cibil was not checked?

Just 5 days before my visa interview they said they rejected the application, i am a meritious student going for masters program in university of illinois urbana champaign my university comes in top 10 universities in the usa. I still don't understand why i was denied the loan despite of full filling every requirement.

I invested 13, 000 rs for property evaluation, lawyer charges and my undying efforts in to this keeping hope that something will come out of it, but all i got is waiting endlessly.

I am tired, following up every day every afternoon, waiting at the branch for a positive response, but at the end getting nothing.

Request you to please help me out.