Main Subject - Finance

Rising gas prices are constantly consuming a large part of our budget, and in an effort to limit the effect o

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

f this expense people take refuge in gas reward credit card. By, simply applying to one they feel that they ca

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

save a lot on gas purchases by way of cashback and other benefits. Are they correct? No, because there are m

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

any catches to every gas reward credit card, and it is better if a credit card holder knows them. In this arti

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

le we take a look at three factors that can ruin your gas reward credit card experience.

1. Not being able

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

to repay the balances every month

If you are not in a condition to repay the balances fully every month,

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

the credit card company will simply don't give you any reward, be it gas, low APR, or any other. The most impo

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

rtant condition they keep is that a credit card holder should be able to repay the balances in full. The only

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

ituation that saves money for you, if you falter on repayments, is to get a credit card with the lowest poss

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

ible regular APR.

2. Not using the right partner to fill your tank

Credit card companies have special

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

tie-ups with filling stations and gas providers. They mention it clearly in their offer document. If you keep

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

on taking gas from every single filling station except the preferred partner, you get nothing! Choosing your f

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

lling station matters.

3. Not spending the right amount to get maximum benefit

The credit card offer

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

says 5% cashback on gas stations*, but does it translate into 5% savings on all gas purchases? No, there is an

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

asterisk(*) after the offer, directing you to check the fine prints, which says that if you spend something be

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

tween 20,000 -40,000 per year on gas purchases from a particular filling station only then you get 5% cashback

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

if you spend less the cashback is also less and if you spend more than this limit the cashback percentage wil

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

l also reduce. See, how 5% doesn't mean 5% on all purchases.

Every reward cards has limits, which should be

.

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

nderstood carefully so that the reward card gives the maximum benefit. Gas reward credit cards are no exceptio

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

n. A credit card holder has to understand the intricacies and beat the credit card companies at their own game

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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