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So just use the funds now on your steam to buy the super credits :)
Steam does this to save on payment processing fees.
From what I remember these tend to be a set amount + a percentage of the transaction amount so after a certain point you lose money processing a transaction.
Steam requires you to pay in wallet funds for micro transactions because it lets them set a minimum acceptable amount of money per transaction to prevent people from making a bunch of small transactions that they have to process separately.