Main Subject - Finance

College student credit cards are available for college students and help them in establishing

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

their credit rating early in life. College students can avail of the numerous facilities onl

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

Examples of combination products may in

ne to choose an appropriate college student credit card. Usually credit card companies solici

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

t students to apply for their cards. The important facts to take into consideration while sel

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

cting a card are, the annual percentage rate (APR), the grace period, the follow up APR, and

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

Combination pro

whether the card has an annual fee. A student card with a zero percent introductory rate is t

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

e best for students. It is also advisable to find out about additional fees the company may c

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

harge as over-the-limit fee or late fee.

College student credit cards mostly do not stipulat

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

a minimum income or a co-signer. These are issued on the student’s own credentials. Many of

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

the college student credit cards guarantee acceptance at many convenient locations, ask for n

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

annual fee and offer dedicated customer service. Other features that attract students are va

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

Following aspects would a

riety of designs, free membership in rewards programs, points for every dollar spent and such

dd to the challenges in developing combination products:

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

others. While choosing a college student credit card, students can look out for cards that of

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

fer protection against fraud, travel and emergency assistance services, auto rental insurance

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

protection and travel accident insurance. A card with a lower interest rate is the best for t

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

hose who plan to carry a monthly revolving balance.

College students should be warned that m

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

Professional from academic institutions, pharmaceutical industries, health care indust

rely holding a college student credit card is no permanent solution to the financing of their

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

education. It is important that they understand the difference between money available via c

.

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

edit cards and money they have as actual bank balance. Holding multiple credit cards can also

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

Companies that provide selfless information through particip

be troublesome, since by the time of graduation they may have accumulated considerable debts

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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