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In family sharing, can non-organizers make purchases with their own credit card? And will those purchases be private or shared?

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Non-organizers cannot make purchases with a credit card separate than the account owner.

However, gift card credit is kept separate for each account. If a non-organizer loads a gift card, that non-organizer's purchases will come from that balance, while the other family sharing members' purchases will not.

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No, if you want to make purchases with a personal payment method then a separate Apple ID will need to be created or Family Sharing left.

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