Do all members in Family Sharing have to pay with one single account's credit card?

I have a credit card registered in my account and my sister has her own credit card, yet, I want us to Family Share some apps and music albums.
When I sent my sister the Family Sharing (FS) invitation, she told me she would better not join the family 'cause then we would both have to pay with one credit card (which would be mine since I'm the family organizer). I wanted to know if this is actually true or if each family member can have his/her own credit card even after FS.
Thanks in advance for your answers.

It is true.  All purchases by members of the family group are charged to the family organizer's credit card.  The only workaround for this would be for her to purchase and redeem iTunes gift card to create and iTunes store credit for her account.  Then her purchases would first be deducted from her credit before any balance due would be charged to the organizer's card.

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