Family Sharing Payment Information
Is there a way to set up family sharing without sharing the credit card associated with the primary account?
Apple ID / iCloud
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Not from what I read on the support pages, Rich. For example, you can't set it to NONE for no card on file.
Maybe a Debit card with a small balance and no access to your main account might be a way out.
Family purchases and payments - Apple Support
Change or remove your Apple ID payment information - Apple Support
Payment methods you can use in the iTunes Store, App Store, and iBooks Store - Apple Support
