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- You recently loaded funds adding payment card for first time, new card, or haven't used it in long time.
- You recently changed password, email, or etc...
- You're using steam wallet funds to gift game, which system flag you for ratio of buying vs gifting, and contacting support may not help, as they say use external payment methods instead.
Then tell him to contact steam support, they may lift the restriction....
Only Steam support can help there.