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Helpful answers
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May 20, 2015 11:17 AM in response to MissyBridgesby Kilgore-Trout,You can't: https://support.apple.com/en-us/HT201060
To get started, one adult in your household—the family organizer—sets up Family Sharing, invites up to five additional family members, and agrees to pay for any iTunes, iBooks, and App Store purchases they initiate while part of the family group.
All new iTunes, iBooks, and App Store purchases initiated by family members will be billed to the family organizer’s account. But the organizer can still call the shots. Just turn on Ask to Buy for children in the family. When a child initiates a purchase, an alert is sent to the organizer, who can review the item and approve or decline it right from the organizer’s device. This applies to both purchases and free downloads.
Basically, if you do not want to have your credit card used, you really don't want Family Sharing
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May 20, 2015 11:19 AM in response to MissyBridgesby ChrisJ4203,Sounds more like you want Home Sharing which is sharing library access. As Kilgore-Trout mentions, Family Sharing is all about controlling purchases.