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As long as it is not a digital gift card sent from Steam itself.
https://support.steampowered.com/kb_article.php?ref=3330-IAGK-7663
So example, you bought a game that $5.01 via Steam store, the system knows you spent $5.01, and makes your account unlimited, even if your Steam wallet $0 it going off what you have put towards your account, such as buying something, or loading your wallet, not anything else.
Now if you're using a currency that not USD, and conversation rate was just enough to hit $5 USD worth but one day your currency conversion fell, and reported amount converted is less than $5 usd worth, then that be why might be limited again, only had to spend, or load wallet a bit more to get over the $5 USD worth.
Let say your country currency was AUD, and you spent exactly just enough to be worth $5.01 USD, and one day the AUD fell compare to USD, and worth is now only $4.98, you only need to spend $0.02 UsD worth on account to be back at $5 USD worth again. See where this is going, so if you threw $20 on Steam wallet, or bought something that $10 you wouldn't need to worry about this at all about the conversation rate from said currency, to USD, as you know it always be above $5 worth, unless it went to hell like Turkey, Argentina, or etc...