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https://support.steampowered.com/kb_article.php?ref=1047-EDFM-2932
While you cannot spend the money on the Market, you can still spend the money on the Steam Store, so the 50 dollars is not completely useless for the time being.
As a side note, new payment methods are only 7 day restrictions.
These restrictions are to help protect Steam and the Users of the Steam Community Market from payment fraud and during account theft.
Resetting it does.
This thread is also from May 2015. February 2014, necro'd twice now.
What are you even restricted for? What does it say when you hover your mouse over the [Sell an Item] -button?
Why didn't you make your own thread?
Two people can play the "Don't care" -game if that's what you want.
This information would help troubleshoot your problem.