You have one (1) recent sale,  That makes you a New (infrequent seller)  So holds on payments apply.

No point  slapping yourself on the back for being such a loyal member with 100% FB, when you don't

understand ebays policies.

Same rules for all,  don't like them, don't sell.

As for underhanded, the info was available to you, and you acknowledged the T&C's at time of listing your item for sale.