When attempting to create a Google Play Family group, Google asks for credit card information.
Is it possible to create a Google Play Family group using a Google Play Gift Card?
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From Google support Google Family plan Without Credit Card?
Currently, you HAVE to have a credit card on file to use as the Family Payment method. Even if everyone in the Family then uses their own payment method or the credits redeemed to their own accounts instead.
IMO, it sounds logical - a credit card establishes owner traceability and prevents two family accounts being operated by same person (which is not permitted - see family group requirements ) whereas a gift card doesn't