How to choose personal credit card instead of family credit card for app purchase?

I have an Apple account and I'm on a share plan with my family, as we share Apple Music. I want to make app purchases, but I want to buy apps on my own, with my own credit card.

Is this possible? Or do I need 2 devices with 2 separate Apple IDs?

If Purchase Sharing is enabled in the Family Sharing options, it will indeed charge the organizer when a family member makes a purchase. If Purchase Sharing is disabled, each account will be charged for their own purchases. I understand initially they were bundled together but it’s now possible to enable Family Sharing without sharing purchases.