Binance Card - average BNB balance for cash back percent. How is this thing working?

Recently I’ve noticed that for some reason I’m getting 0.1% cash back instead of the regular 2% that I was getting prior months.

I’ve found out that there’s some Card levels for cash back that depend on the staked BNB. My level has dropped from 2nd to 1st and my average BNB balance in the Card tab is 0.10 BNB, which pure nonsense because I own ~3.0 full BNB and it’s all staked, some of it as a liquid, some as locked staking and some in the Vault.

Is the level dependent on where the BNB is staked? If I stake it all on BSC would it count towards the Crad level or it has to be in vault with its 0.5% APY? Does the level depend on something else? Can somebody ELI5 this to me, because from what I’ve read in the app it only managed to confuse me even more?!

Thanks in Advance.