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I’m guessing you are talking about the payment method associated with appleID for app and in app purchases not the cards in Apple wallet/Apple Pay which is what you use in stores (online and real). For purchases under the Apple ID, because with family sharing they are available to everyone in the family group, they all use the same single payment card. You can or should be able to add more cards under your own id and whichever you set as the top of the list is used by all but you can’t do different cards per account.
Ramsaye
Hmm ok, I’m getting on to them again then, or I might just launch the iPad into the canal..