RBL Loan on basis of credit card - Review and how it is Killing the CIBIl / Experian / ETC

I recently look a loan of 2,34,000/- for personal use from RBL - DIAL TO CASH service (i got sms for the same from where i opted for it)(applied on 11th June). I chose 24 months as a returning period and they made the EMI OF 12 thousand something per month which i found decent. The money got credited on the second day in the bank.

Firstly to my surprise, i didn't got any intimation of loan being accepted / rejected. They just transferred the money and didn't sent a mail / message confirming the same. We expect some intimation. As i did the application so i was able to figure out that this is a loan, else if someone else might have got such a big amount without any intimation on sms / email, he would have been surprised to see.

Secondly i was worried about the repayment, for many days i didn't had any intimation of how to repay and i didn't bothered to call the bank because i was so stupid to think that might have transferred the money but maybe a 1% chance is there that they might not know about this😂. Therefore I bothered to wait for 20-25 days before contacting the bank on their customer care. Then on 25th June I got a credit card type statement where my emi amount + processing fees was shown just like credit card statements and the due date of payment is given before which i have to submit the amount. 

Thirdly, and most important point, my cibil was having a new credit card account (note: its not a loan account). this was with cibil and experian till now. whose credit limit is: 2,34,000/- and total outstanding was 2,44,998/-. My cibil was down from 764 to 759 (by mistake wrote 264 to 259 earlier) and experian was also down. I was surprised that they haven't put this account under loan. I was worried as using credit limit more than 30% destroys your cibil and this time it was over 100% utilised. I called the customer care which refused to correct it to loan as it was on basis of my credit card. My point of argument was: "if we take a loan keeping out house documents for loan, so our basis of loan is Home. But do it shows "HOME" in cibil ? or they put Loan in cibil? obviously even if a loan is taken basis on the documents of our house, we put loan in cibil and not home. " but they refused. I raised a dispute in cibil too which also got refused. 

I am stuck with this loan and i think only repayment will be the option as cibil / bank refused to change it to loan from credit card. (attaching screenshot of how it is looking in cibil / experian in the comments). Also attaching how they generate the statement of this loan every month.