Transferring a Revolving Credit to a Personal Loan means new conditions. Often also a lower interest rate. This is fixed for the entire term. Transferring is free and can be done at any time. Even if your current loan is with another lender.
You can transfer your current (too expensive) Revolving Credit to a new loan with a low interest rate and favorable conditions online. Interest rates have fallen and are at a historic low. You can now borrow from 3.5%.
Does your current lender offer this lowest interest rate? And what are the associated conditions of the loan? There is a good chance that you have taken out a loan in the past with matching conditions that are no longer as favorable as the current one. A change in income or family composition can also be a reason to transfer the current loan to a new one that is better suited to your current situation.