I want to setup my 9 year old for family sharing and seperate iTunes account but do not have credit cards

I am unable to setup a new iTunes account / family sharing for my 9 year old as I do not have credit cards, it seems that it is only possible to do so with a credit card, however I feel it is unfair that I would need to apply for a credit card just so that my child can be safe online

Changing payment info : http://support.apple.com/kb/HT1918
Or if you haven't created the account yet then there are instructions on this page for how to create one without giving credit card details : http://support.apple.com/kb/HT2534 (e.g. https://discussions.apple.com/message/24321860#24321860)

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