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Main Subject - Are Store Cards Really Worth It?
A store card is merely another type of a credit card with some differences:
- You can use a store card only in a shop or a chain of sh
According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
ops that are owned by one company
You can use the store card to make purchases online, at the store’s website
Both type
Both type
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
of cards:
- Allow you to buy now, pay later
- Charge some interest on the deferred payment
- Offer incentives <
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ul>
However, store card users often don’t even realize they are being taken for a ride.
The Advantages of a Store Card
If yo
However, store card users often don’t even realize they are being taken for a ride.
The Advantages of a Store Card
If yo
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
r credit history is good, then you may stand to gain some benefits using a store card. Initially, you may be tempted to accept a store card be
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ause you might be given some discount on your purchases, usually, 10%. If you pay off your outstanding every month, regularly, then you may ge
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
other benefits in the form of discounts or first previews of new merchandise. However, there is an ugly side to store cards about which most
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
onsumers are unaware.
The Disadvantages of Store Cards
The Disadvantages of Store Cards
- The APR is often double the rate offered on regular cards
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
Regular credit cards offer interest rates between 8 – 20%. Store cards might sometimes charge a shocking 30% rate of interest.
St
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
re cards often come with an insurance policy which can be expensive
Regular credit cards normally offer an interest free period du
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
ing which you can pay off your debts without paying another penny as interest. Store cards may not offer such an interest free period. This me
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
ns that, the moment you make a purchase your interest rate starts. Imagine the amount of interest you would pay if you don’t clear your balanc
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
s every month.
A Competition Commission study revealed that the Britons pay an extra ?100 million a year due to the high interest
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
ates charged by store cards
Most store cards also charge a high late payment fee.
Managing Store Cards for Clear Ga
Managing Store Cards for Clear Ga
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
ns
You need to take certain steps if you wish to benefit from using your store card:
You need to take certain steps if you wish to benefit from using your store card:
- Clear your balances every month, without f
t?
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
il
Read the fine print and see the amount of interest you will be paying on your card
Select a store card that offers th
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
same APR as a regular credit card. If y
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
u do your research, you will find some store cards do offer more reasonable rates of interest.
Some store cards also offer an inte
.
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
est free period so they are certainly more attractive than other store cards that offer no such interest free periods
Select store
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
cards from shops that you actually frequent. There is no point in getting a store card from a shop located at the other end of town.
tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products
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