family sharing with multiple credit cards

A Family Apple Music ssubscriotiins.is actually up to 6 discounted individual subscriptions.

Each members music library is unique.

Let me rephrase then. Generally subscriptions are not shareable.

Well I think that's highway robbery to charge new purchase on my credit card, which I need to pay out of my pocket, instead of my gift card, which I already paid for...

It would b nice to control adult purchases too. My account has gone negative from other family purchase.... very upse

Foiled again by the page 1 fluke....

GB

Incorrect. Apple Music family subscription is absolutely shareable. But if setup, then you're required to use one credit card for everyone's purchases unless they have gift card balances or store credit.

What subscription are you referring to? If you want new purchases to be charged to individual Family members, you need to apply an iTunes Gift Card to each Apple ID that is not the Organizer so that the purchase amount will be taken from the iTunes Gift Card balance.

And if you don't like the way Apple has designed Family Sharing, you can share your thoughts with Apple here: Apple - Feedback

We can't answer your question not only because it is against the TOU of this forum, but because we are just users like you, and we have no more information on why Apple makes the decisions it does than you do.

Cheers,

GB

To have your personal purchases on your personal credit card and not the family purchases, you could set up the other accounts with a gift card that gives them store credit. See the article:

Family purchases and payments - Apple Support

Especially the section:

Making purchases

After you set up your family, any time a family member initiates a new purchase it will be billed directly to your account, unless that family member has gift or store credit. First, their store credit will be used to pay the partial or total bill. The remainder will bill to the family organizer's card

I also meant to include this link:

Payment methods you can use in the iTunes Store, App Store, and iBooks Store - Apple Support

See this section:

Payment methods for Family Sharing

If you're using Family Sharing and you're the family organizer, you can use the following payment methods:

• Credit cards
• Debit cards
• China UnionPay
• Mobile phone billing

You can also create an account for a child under 13² using these payment methods, with the exception of mobile phone billing. (You can only create a child account with a post-paid mobile phone billing account.) After you create the child’s Apple ID, you can change your payment method to a different method, such as a China UnionPay debit card or a pre-paid mobile phone billing account.

require you to subscribe monthly or annually

Subscriptions are not shareable. Family Sharing has no benefit for susbscriptions.

Agreed, same issue here. I can't expect the main member to pay for EVERYTHING. Cant even download free apps without the security code from main members credit card. Come on Apple.