Why do I have to pay final value credit fee?

HI, i do not know why I am being charged final value fee even when my item isn't sold and i have closed the case. It is so annoying. I haven't even sold anything and the insertion fee was free but still i am have to pay some credit fee. I have emailed ebay but they are making the final value credit fee seem like a good thing lol. Is it a good thing or not?
Thank You in advance
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