Family Sharing
Why can't I set up an Apple ID for our daughter without changing my payment method to a credit card?
iMac (21.5-inch, Late 2012), OS X Mountain Lion (10.8.4)
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If she is under-13 then it's required by law, Family Sharing and Apple IDs for kids - Apple Support :
Before you begin, make sure that you're using a credit card as your iTunes Store and App Store payment method. To comply with child online privacy protection laws, you will use the CVV or security code from a valid credit card as part of providing your parental consent. If the card on file is a debit card or another payment method, you’ll be asked to provide a credit card before you can continue. After you create the child's Apple ID, you can change your payment method back to a debit card.