Main Subject - Finance

I'm sure you've seen direct mail offers, promotional brochures and Internet ads announcing:

"0% APR credit cards. Limited time offer. Apply today!"

You can't beat that for a credit

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

card. That's just like buying something with cash. A great deal, especially if you don't have cash on hand. But you may be wondering, "How can the credit card companies and banks ma

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

Examples of combination products may in

e money if they aren't charging interest?" Well, read on to find out whether or not these 0% APR credit card offers are just pulling your leg.

Deal Or No Deal

Every time you buy so

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

ething using 0% APR credit cards, you pay absolutely no finance charges or interest rate charges on your entire credit card balance. Just think... you can refurnish your home, pay fo

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

your child's college tuition or go out on a spending spree without paying a penny more.

However, most 0% APR credit cards offer only "introductory rates" at 0%. This low rate may b

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

Combination pro

limited to a specific time period, such as 3 months or as long as a year. In addition, 0% APR credit cards often allow you to transfer balances (up to a specific amount) from anothe

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

credit card to take advantage of the zero interest deal. Once the introductory rate period ends, then the APR can go through the roof.

Okay, so maybe you can't get 0% interest into

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

eternity. But, if you play your card right, you can still reap the benefits of these unique offers.

Making Zero Interest Work For You

You may already have several credit cards and

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

can't imagine what you'd do with another. After all... personal finance experts advise against having too many credit cards. Before getting a 0% APR credit card ask yourself, "What i

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 APR on my credit cards?" and "Do I carry a balance on my cards from month to month?"

The average interest rate for credit cards is around 14%. On the low end, you may have a ca

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

d that charges as little as 5% interest, whereas cards for those with bad credit or no credit can be a whopping 29%. Retail credit cards tend to have a high interest rate around 19%,

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

Following aspects would a

even if you have A1 credit. If the interest rates on your cards are up into the teens, then you definitely need to consider other options (a 0% APR credit card), unless you pay off y

dd to the challenges in developing combination products:

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

ur balances on a monthly basis.

Don't throw money out the window and into the pockets of the credit card companies. If you have high interest cards and pay only the minimum balance,

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

then it can take years to pay off. $1000 spent could nearly double to almost $2000 by the time it's paid off. The best thing to do is transfer the balance to a 0% APR credit cards.

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

Where To Find 0% APR Credit Cards

If you have good credit, chances are you've already been bombarded with mail offers. You might even find these special values available through org

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

nizations you belong to or companies that you do business with regularly. Other sources include your local banks and credit unions. And don't forget to search the Internet. It's a gr

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

Professional from academic institutions, pharmaceutical industries, health care indust

at place to comparison shop for numerous credit cards. Keep in mind that you usually need to have good credit to qualify for a 0% APR Credit Card.

0% APR credit cards allow you to a

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

oid finance charges altogether. If you are in debt, this is especially helpful in that you can pay down your balance much more quickly. But be sure you don't end up in a situation wh

.

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

re you transfer balances from one card only to fill the old card back up again with new purchases. If you've been thinking about making a large purchase but don't yet have the funds

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

Companies that provide selfless information through particip

nd don't want to take out a loan, then a 0% APR credit card will be like paying cash. Just be sure to pay off your balance before the introductory rate ends and finance charges begin

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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