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Can I use family sharing without a credit card

I want to set up family sharing in iCloud between my account and my dad's since we have separate accounts. Problem is, one of them needs a credit card and my sister tends to make purchases from iTunes cards that weren't for her. Can I set up family sharing without using a credit card? I have a friend who used his parents credit card and one day, they got a $500 bill from iTunes on purchases they didn't make. The account was hacked somehow and the last thing my parents need is to have one of their cards hijacked again.

Posted on Sep 26, 2014 8:24 AM

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Posted on Jan 2, 2017 8:43 PM

It isn't legal. It's choice. A credit card in no way proves age. It's easy to get a credit card as a minor. Your argument is incorrect.


Read please. The minor does not enter the card. The parent or guardian does, as a way of complying with COPPA.


Family Sharing and Apple ID for your child - Apple Support

User uploaded file


Apple feedback goes here >>> http://www.apple.com/feedback/




As to COPPA's reach around the world... the following language is in the COPPA.


While COPPA is an American law, the Federal Trade Commission has made it clear that the requirements of COPPA will apply to foreign-operated web sites if such sites "are directed to children in the U.S. or knowingly collect information from children in the U.S."[25]

Since the law is U.S. federal, it's applicable only to websites that are run:[1][9]

  • by websites under U.S. jurisdiction;
  • by websites which are hosted on servers in the U.S.;
  • by websites with owners headquartered in U.S. territory; or
  • by commercial websites.
65 replies

Jan 12, 2015 10:52 PM in response to Look-at-menow

There are many people that choose not to own credit cards and use a debit card instead. The requirement of needing to have a credit card to use Family Sharing is very short sighted on Apple's part.


I now have much less respect for Apple's thoroughness before making software design decisions. We have over 15 Apple devices in our family and this definitely changes my attitude about the long term viability of Apple in our family.


I strongly recommend that Apple review and change this ridiculous requirement!

Feb 7, 2015 2:23 AM in response to Look-at-menow

Apple suggests that in this case you add with a credit card then switch back: Start or join a family group using Family Sharing - Apple Support


"When you create an account for a child, you must use a credit card as the payment method as part of providing your parental consent. After you create the child's Apple ID, you can change your payment method if you choose."


Annoying, but presumably there are technical constraints that make this difficult. I hope they'll fix at some point but this at least means I can set it up. I don't use a credit card but I have one around that I can use to at least set up the accounts.

Feb 7, 2015 5:24 AM in response to steve_curve21

The requirement to use a credit card when setting it up is not technical. It's legal.


A debit card, gift card, etc., can not be used to provide legal proof of identity. A credit card can. Because of the laws regarding the use of online services that collect data by children, you must use a credit card to set up Family Sharing. It's a legal requirement so that you can give parental consent for your children to use Apple's services.


For those here who believe this is a "ridiculous requirement" by Apple, I suggest you write to your congressman if you're not happy. Apple doesn't have a choice in the matter.

Mar 23, 2015 11:17 PM in response to KiltedTim

I can't really understand this being a requirement. If proof of identity is required, it is required for all the purchases on the Net. However, if the gift card is accepted even the kids can get it from any store and top it up themselves, there is no way to say that by law, proof of identity is required for any purchases done by the junior.


I agree there could be some other legal considerations or even business consideration, i just don't see it being used for the Proof of Identity on the NET.

Jul 3, 2015 3:44 AM in response to KiltedTim

Hi KiltedTim,


I would like to react on your comments if you do not mind.

First of all, your assumptions - because i doubt you are a lawyer :-) - are only valid in the US.

Apple set this rule of family sharing for the world 190 countries in the world. There are therefore 190 laws or legal obligations.

When saying that Apple set it for legal reason, you are partly right but also partly wrong - depends where you are.

In the France a credit card is not an ID proof. So here your point is not valid, so the question remains :

Why do Apple force its customer to use his credit card?

The answer is simple : Because they can. David Vs Goliath. They are a very profitable company and use everything in there power to make it even more profitable. Getting the credit cards of all its customer is a way to do it. NO anonymity. But i presume Apple user do not care about this :-)


Have a good day Tim.

Sep 17, 2015 3:30 AM in response to KiltedTim

ha, even in Australia?? this is an interesting situation where the rules of one country are being imposed on the citizens of another, and I'm VERY SURE that Americans wouldn't stand for that! In order to obtain a Visa debit card we go through the same bank hoops as you do for a credit card. This is ludicrous. I don't want a credit card, and for all internet use I only use a visa debit card. It's so patronising: "in order to prove you're an adult you need a credit card". Seriously?

Sep 17, 2015 3:37 AM in response to Look-at-menow

ha, even in Australia?? this is an interesting situation where the rules of one country are being imposed on the citizens of another, and I'm VERY SURE that Americans wouldn't stand for that! In order to obtain a Visa debit card you go through the same bank hoops as you do for a credit card. This is ludicrous. I don't want a credit card, and for all internet use I only use a visa debit card. It's so patronising: "in order to prove you're an adult you need a credit card". Seriously?

Can I use family sharing without a credit card

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