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When you buy on markey funds are taken from your wallet. You can't use a cards for maket use alone. You have to add from card to wallet. It's how it works.
The market however, only allows payment from your steam wallet.
you even explained it wrong.
final statements:
1) the Steam community market only uses Steam wallet. you can not buy with any other payment method.
2) on purchasing products from the Steam store such as games, you can select if you want to use Steam wallet funds or not. if chosen so, they will be used first and if they are not sufficient the remaining amount will be taken from your selected external payment method. not the other way.
this is made very clear at the checkout process (if someone can read)