unable to create child account
I cannot create a child account. I get a message to update my payment method but its updated and it still won't let me create the account.
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First: As most children’s phones are pass-downs, ensure that it’s totally wiped of ALL of the prior user’s info by following this procedure:
What to do before you sell, give away, or trade in your iPhone or iPad - Apple Support
Next, have you first created a family sharing account … presumably with you as the organizer ?
Set up Family Sharing - Apple Support
Once you’ve done that, you can THEN create a child’s account. (a child MUST be a member of a family)
Create an Apple ID for your child - Apple Support
Another helpful resource:
Use parental controls on your child's iPhone, iPad, and iPod touch - Apple Support
I’d suggest using controls to prevent a any child from making changes to their account OR changing their passcode.
Without setting these control options, your child could lock YOU out of their device.
Lastly for future reference:
Move a child to another group using Family Sharing - Apple Support