UK visit visa refused due to unexplained deposits, how to address. complex statement

Upvote:3

Based on the information in your question there’s nothing obvious that you can feasibly do other than:

provide the credit card statement(s) and your own dormant and brother’s bank statements and
explain the transactions in your application, as you’ve done here.

You will have to disclose the previous refusal and provide details in the new application itself (UKVI will have the data on file, of course). There’s no particular need to duplicate the disclosure in your covering letter unless you want to provide additional pertinent information that won’t fit in the relevant field in the application.

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