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^ Just confirmed that youcan indeed load it with a giftt card.
https://support.steampowered.com/kb_article.php?ref=3330-IAGK-7663&l=dutch
That's not how the level works. You need to craft trading cards to level up.
Your account is still limited. Your level will not increase until your unlimit your account.
How did you add/buy the funds or game in question?
Redeeming game key will not unlimit the account nor will gifted wallet funds.
You haven't seeing as here you stated if you really need to spend $5 on steam, indicating that you haven't spent any money on steam.