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https://store.steampowered.com/account/licenses/
What does it say here?
What you need to do is think about how much money have you spend on Steam that wasn't in Steam already.
Go here: https://store.steampowered.com/account/history/
Find all the purchases that doesn't say "wallet" under type.
For example, I have a purchase that's mostly wallet and it looks like this:
Purchase
10,17€ Wallet
3,22€ Card
Only the thing that isn't from wallet counts here.
This used to be less confusing before since you could not ever use market before like this but now you can loose the limit and it gets more confusing.
Thank you for your help and reply