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https://help.steampowered.com/en/faqs/view/61F0-72B7-9A18-C70B#restrictions
Can we see your friends list please?
The pending amount won't get cancelled. You'll just have an amount above the limit.
In some cases, it will visually show only the max limit in your balance, even when you exceeded the max limit but all the money is there.
$2k, not $20k.
2k - that's even worse! - all good then, legit enquires there, no hard feelings - just ever since Dota 2 and rando invites to things etc I'm hyper paranoid..