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I mean how would steam handle a $20 Steam Card + $10 Mastercard spent on a $25 game?
I suggest submitting a support ticket to find out what the issue was.
For the record:
If payment is split, wallet will go to wallet, credit card will go to credit card. I know this because I did a refund like that recently and now have 1 cent in my wallet and $14.98 credited to my credit card.
You ahve to specifically chose your cc as the payment refund method. Steam defaults to your wallet unless you explicitly change it. Since you likely did not specify it in the choices given, your refund is going to wallet.