sharing family. need help with payment options

My sister & I are sharing family & we both have our own credit cards on our own accounts.  But when I try to make a purchase, I get a message that IT has to allow it?  Why do I need someone else.s permission to make a purchase on MY account with MY credit card?  How can I fix?

If you use a family sharing then the card to the family of the organizer can only be used (or, if you are not the Organizer, your account balance) - family members cannot use their own cards, while they remain in the family sharing.

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