Main Subject - Finance

Many of us have received pre-approved credit card applications in the mail. The majority of these off

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

ers urge you to apply right away, because the offer has an expiration date. Applying for a credit card

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

Examples of combination products may in

before you shop around for the best deal is never a good idea. You could end up with a credit card wi

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

h a high interest rate, or perhaps an annual fee you must pay.

There are many terms you must consider

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

before opening a credit card account. The first term you will need to consider is what the APR of th

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

Combination pro

e card will be. An APR is the annual percentage rate of the card’s interest rate. By law, card compa

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

ies must disclose this rate to its customers. You will need to find out what type of APR the credit ca

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

rd company is offering. Is it a fixed rate or a variable rate? What factors do they use to calculate

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

their APR? These are the questions you must ask before you obligate yourself to an account. Many cred

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

t card companies will offer you a low initial APR. After a certain time period that rate will go up. A

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

high APR may affect how much your monthly payments will be.

Another important aspect of a credit car

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

Following aspects would a

d offer is if it has annual fees or transaction fees. If so, how much will you have to pay? Some cred

dd to the challenges in developing combination products:

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

t card companies charge an annual fee to become members of their credit card. These fees range from $

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

25 up to several hundred dollars. Most card companies also charge a fee if you use your credit card f

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

or cash advances, make a late payment or exceed your credit limit. Some cards may even charge you a fe

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

every time you make a transaction. It is your responsibility to find out what types of charges the c

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

Professional from academic institutions, pharmaceutical industries, health care indust

redit card company enforces.

Owning a credit card is a great responsibility. Applying for the right o

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

ne can become a very difficult task. You will get many offers from different companies promising to gi

.

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

e you the best deal. If you plan on applying for a credit card, look at more than one company, and com

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

Companies that provide selfless information through particip

pare to find out which one will give you a better deal. Shopping around could save you a lot of money

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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