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Helpful answers
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Feb 25, 2016 8:30 PM in response to JohnCov70by AJ397,See here: Change or remove your Apple ID payment information - Apple Support
Family Sharing and Ask to Buy may also be worth looking into. -AJ
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Feb 26, 2016 7:34 AM in response to JohnCov70by itunes999,This below article might help you in preventing kids purchasing with out your consent
Use Restrictions on your iPhone, iPad, and iPod touch - Apple Support
If family sharing is present this below article is also an one of the helpful article.