Hi folks i am from the caribbean, barbados and i will be applying for my study permit soon, i was wondering since i am from a visa exempt country would it be easier to get the study permit or would it be harder?
They say it's no difference, if you are from Visa Exempt or not. But i guess it's easier to obtain permit for the ones in visa exempt countries

and the final thing is, am i allowed to include a letter from my credit card company stating i can use the card for books, clothes, and other course related materials (my mom is the co app and i am the au) she will be paying it as usual.
Sure you can add additional documents witch you found to be related with your case.