Okay, so I'm only 14 and I don't know what I'm doing, but I just made a sub account on my PS4.
Will it add charges to my moms card or will it just share the Plus member ship my mom has?


No, having a sub account does not cost anything. If your PS4 is activated as the primary console for your mom's PSN account, some of her PS Plus benefits (like playing online) will be shared with all her sub accounts and other accounts on the console at no extra charge.

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