Can’t add new payment method on Apple ID
When I go into settings and into the area I only see one already set up method. The “button” to add a new one is greyed out so I can’t even try to put in a new card.
[Re-Titled by Moderator]
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When the Organizer has Purchase Sharing turned on, then only their payment method is used for all purchases. If the Organizer shuts off Purchase Sharing, then everyone will have to have their own payment method. An alternative for you is to purchase a Gift Card and redeem it to your account. Any purchase you make will first come from your Account Balance with any remainder being charged to the Family Organizer.
More information about Purchase Sharing is available here:
How to share apps and purchases with your family - Apple Support