Annie tried to help you with a very limited amount of information. Many members come here seeking help and use incorrect terminology for common eBay speak that many of us take for granted. Annie was merely providing questions to elicit information which could assist in her and other members providing you with beneficial information.

It is not uncommon for the terms credit and refund to be used interchangeably.

To answer your hostile and condescending rhetorical question directed towards a kind member who was purely trying to help you, yes, a seller could have offered you a credit for you to use with them, it is not uncommon.