I am applying the 25% discount offered for the ICICI Rubyx credit card to book the stand-up comedy show tickets on BookmyShow app. The app displayed an error stating that the offer was not applicable. I have never used the offer before that. Could someone please explain why I am receiving this message?

The bank has rejected my 5laks education loan, citing my father's low credit score of 710 as the reason. I need this loan for further studies, so please tell me what the other procedure is for applying for the educational loan.