Sons account can only buy with gift card. (Google play)

Hi, I think it’s related with me setting up a family link on our accounts. It’s really getting things complicated.
My son can’t buy stuff from Google play, I can only choose a gift card.
When I search on this, I’m told that I need to a add a family credit card, I can find anywhere to put that in. I did try to allow him everything, but that don’t help.
Maybe it’s related maybe it’s not, but it’s the only thing I can think of.

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