Family sharing (do we have to share the same credit card and sharing working for everyone?

I was wondering if family sharing was working for anyone else? I set it up and the way I believe you access another family members purchases is by going to your purchase history either in itunes or in the app store. From there you can pick your purchases or another family members purchases but when I do this I only see my purchases. Am I doing this wrong or is it not working.
Also is there a way we all don't have to use the same credit card?
Thank You,
Laura

Am I correct in my first post regarding how you are suppose to access someone else's purchases? it doesn't seem to be working for me I added the other person and see accepted and when I go to family share she is there but I can't find her purchases

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