ICloud Family Sharing - can't purchase apps with iTunes Credit

My wife and I previously shared the same AppleID on our phones.   When the family sharing became available, it seemed the perfect approach for what we were accomplishing.  I upgraded my wife's phone to 8.x and then moved her back to the Apple ID that I had initially created for her.  I invited her to join the family and completed that setup.
We then had some iTunes gift cards that she had received and so loaded those to her iTunes account (wife's AppeID) on her iPad.  However, when we attempt to purchase apps on her iPad, it insists on purchasing from my AppleID via my credit card rather than using the iTunes credit.
Any suggestions?  I've seen posts that iTunes credit cannot be transferred.

Nope, not actually. The only restrictions Alberta places on gift cards are the following:
* Not allow expiry dates on gift cards, gift certificates, and vouchers that have been purchased and have monetary value
* Eliminate inactivity fees, also called dormancy fees, that reduce the value of gift cards the longer they go unredeemed
* Prevent businesses from not honouring gift cards for purchases that are
more or less than the value of a gift card
* Require merchants to fully disclose any restrictions on use of a gift card on both the actual card and its packaging
To further my point, Apple definately does not abide by the last law (at least in the rest of Canada), as they say nothing on the card or its packaging about not being able to buy apps with it.

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