Family Sharing payment issues

To summarize what I said above, you cannot unless you are the Organizer or the Organizer turns off purchase sharing.

If you don't like the way Apple does things, send them feedback (but this likely isn't a policy set up by Apple alone since the media rights owners also have a strong interest in how the service is set up). Click on this link for Apple products feedback links --> Product Feedback - Apple

Apple may not respond but your comment will be read.

Use Apple ID Balance (Most Practical)

Add funds to your account:

Settings → Your Name → Payment & Shipping → Add Funds

or via Apple Gift Cards

Your purchases will charge your balance first.

Shadeaflame wrote:

i want to use my own credit card not others.

Have the Organizer turn off Purchase Sharing. With that off everyone can use their own payment method. Subscriptions are not affected by Purchase Sharing, it is only for apps/media.

How to share apps and purchases with Family Sharing - Apple Support

If people could each use their own credit card, what's to prevent a "family" group becoming just any group of 6 people who met on an Internet chat group but otherwise have no connection with each other? With Family Sharing the Organizer has a self-interest responsibility for making sure that the other members are somebody with an implicit family level of familiarity who can be trusted, or are children over whom the Organizer can leverage a certain amount of control over purchases they make. Apple does not say why they established Family Sharing but I know that many years ago that people would complain that if they only had to buy one CD in a family to share among all family members, why did they have to buy 6 copies of an album from Apple? Later, Family Sharing addressed that kind of complaint.

The Organizer, can (and must) have a card, but the Organizer can avoid having this charged by others by asking them to make sure they have adequate personal balance (e.g., from gift cards) to cover their purchases. Other family members can only pay for things by using their personal balance or by letting the remainder automatically roll over to the Organizer's payment method (such as a credit card but not the Organizer's personal account balance).

The alternative is described in this document: Add a family member to your shared subscriptions - Apple Support

"If you're the family organizer and you don't want to pay for family members' purchases and subscriptions, you can turn off Purchase Sharing [ How to share apps and purchases with Family Sharing - Apple Support ]. When Purchase Sharing is turned off, everyone must use their own payment method. When Purchase Sharing is turned off, family members can share subscriptions, but they can't share individual purchases like apps or books."

Another alternative would be for a person to leave the family group altogether. However, a person can only join one family per year.

=Full details=

Based on: How to share apps and purchases with Family Sharing - Apple Support and How apps, content, and subscriptions from Apple are billed - Apple Support

1. If anybody in the family buys or subscribes to something, Apple first attempts to charge the item to that individual's Apple Account (Apple ID) balance, if any.

2. If a family member does not have enough personal Apple Account balance, any excess will be charged to the Family Organizer's primary payment method (usually a card of some kind). The Organizer's personal balance will not be used for purchases made by other family members. If Apple cannot bill the primary payment method, the Organizer will need to make another payment method the primary method. With Family Sharing the Organizer always has to have at least one functioning payment method.

Also note: "Some purchases, including gifts, can't be billed to Apple ID balance and will be charged to the family organizer's payment method." "Some subscriptions might not be charged to Apple ID balance."

Ref:

- Family purchases and payments - How to share apps and purchases with Family Sharing - Apple Support

- How apps, content, and subscriptions from Apple are billed - How apps, content, and subscriptions from Apple are billed - Apple Support

- Check your Apple ID balance - Check your Apple Account balance - Apple Support

- Add a payment method to your Apple ID - Add a payment method to your Apple Account - Apple Support

Adding funds to your Apple ID balance:

- How to redeem your Apple Gift Card, App Store Card, or App Store & iTunes Gift Card - Apple Support

- Add money to your Apple Account balance - Apple Support