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What you do though own banks or credit card company is not a steam issue.
i bet you could even use own credit card at brother account, and set in money, dont think this is a problem also why steam in so many case do not use credit card as only proof.
just pay attention on credit card use at other brothers aacount, this is why i said what you do in own transfer to brother sccount is not a steam issue, or do a add funds at hes account, then you avoid credit card compnay if this is a issue.
I doubt a Compnay like steam have to deal with where the money come from then its a own family that paid for it.
You paid your taxes, rest is not any Comapanys problem as fare as i know.
require some serious law cahnge in alot of country to controll that part.
So a goverment can what come and beat us for what a game cost at such small amount, never going to happend fo some few games.
ps.
Do not store your credit card at brother account ( save the credit card information )
might be the most importen advice. any here can give you.