Woolworths revolving loan

In general I find Woolworths to provide great service. The problem with financial services is that their nr one goal is to make make money which in itself is not a problem-Woolworths is a business afterall. What does make me dissatisfied is that they lack policies to accommodate their clients better. Their personal loan option is a revolving personal loan. This means that you have access to funds again as it becomes available after payments are made. The problem I have with this is that now that I want to do some debt consolidation to take better charge of my personal finances, the credit bureau does not recognize this revolving loan as a personal loan but as a credit card. This is problematic since the debt consolidation facility offered by my bank does not provide debt consolidation for credit cards. Thus my issue with Woolworths is that they cannot change the status of this revolving loan to just a normal personal loan. The reason I assume they do this is to keep people on the hook by making those funds available to be used and everytime you use those funds there is an increase on your monthly repayment. I made bad financial decisions. I want to rectify the situation and I want Woolworths as a financial services provider to make this possible by having the option of changing the status of my revolving personal loan to just normal personal loan to make the application for debt consolidation easier.