Main Subject - Finance

Discover Cards, operated by Discover Financial Services, a business unit of Morgan Stanley, is one of the most largely accepted forms of payment worldwide. Under the discover card brand, there is a

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

variety of cards including Discover Classic Card, Discover Gold Card, Discover Platinum Card, Miles Card from Discover Card and an array of affinity cards. All these cards, intended for meeting the

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

Examples of combination products may in

ifferent needs of people, have several benefits and incentives.

Discover Platinum card is a cash reward credit card and designed for those who have very good credit. It offers 5% cash back on purch

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

ases made at select merchants or in certain categories all over the year and up to 1% cash back on all other purchases. The Annual Percentage Rate (APR) is 0% for purchases until the last day of the

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

billing period. Thereafter, the standard APR, an estimated rate between 11.24% and 18.24%, is charged.

For balance transfers, it charges 0% APR till the last day of the billing period. After that t

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

Combination pro

he standard APR for purchases is charged. In case of default, the APR is between 16.24% and 28.99%, based on payment history. For cash advances, it charges 20.99% for Discover Platinum Card, 21.99%

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

or Discover Gold Card and 22.99% for Discover Classic Card.

For Discover Platinum card holders, grace period is at least 25 days for repayment of the balance of purchases when you pay your balance

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

in full each month. It applies two-cycle average daily method for computing the balance. It has no annual fee. Credit limit for Discover Platinum Card is $5,000 and in case of Discover Gold/Classic

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

ard credit limit is $1,000.

Discover Platinum Gas Card offers 5% cash back every time you purchase gas. You will get up to 1% cash back on all your other purchases. It also offers 0% APR on purchas

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

es and balance transfers for the first 12 months and it has no annual fee. It also provides advanced fraud early warning alerts and it has fraud specialists dedicated to helping you all the time. Th

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

two cycle average daily balance method is applied to determine the card holders finance charges.

With Discover Miles Card, cardholders can take advantage of the great travel rewards earned for pur

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

Following aspects would a

chases. With this card, you will earn one mile for every dollar you spend on everyday purchases. Most major U.S. airlines will honor these bonus miles, and they can be redeemed for both regular and

dd to the challenges in developing combination products:

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

educed airfares.

Discover Miles Card has no annual fee. There is also no charge for additional cards on the account. In addition, cardholders get a 0% introductory rate for the first year of gettin

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

g the card, which applies both to purchases and balance transfers. The variable APR after the first year is low at 10.99%, while the fixed APR for cash advances is 20.99%. Fees are charged for servi

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

es like balance transfers, cash advances and when cardholders exceed their credit limit.

Discover Student Card charges 0% APR on purchases for the first six months. It has easy account management o

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

ptions. This card has also 5% cash back offers on select categories throughout the year and up to 1% cash back on all other purchases.

Some of the other benefits that the user of the discover cards

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

Professional from academic institutions, pharmaceutical industries, health care indust

can receive are different card designs, online access to account information, emergency replacement of cards, protection against fraud, Insurance for auto rental, travel accident insurance up to $50

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

0,000.

However, if you are opting for any of the discover cards, you should go through the terms and conditions mentioned in the card application. If it is not clear in the application form, you sh

.

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

uld enquire the details including APR, fees and benefits before applying for the card. Also, credit cards have both pros and cons. The users should be aware of the merits and demerits if they have a

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

Companies that provide selfless information through particip

pplied or now using the credit cards.

Note: The figures specified in this article were current at the time of writing the article. However, author doesn’t guarantee the correctness of these figures

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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