Kids getting IPhone. Should I use my Apple ID for the store and get them their own for iCloud?

Want them to have access to the music library we have as a family but yet their own iCloud account and ability to use "Find iPhone". Thanks

are there funds on the card? because iTunes isn't the one declining the card, its the bank/credit card company.  also, is the billing address EXACTLY THE SAME on your bank statement as it is on your account

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