Cases - Finance

"I pay with plastic these days. I don't carry around much cash anymore."

Credit card companies love people who use their credit cards for most of their fina

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

ncial needs and they're usually willing to "up the ante" as the expression goes, if they see that individuals use their credit cards wisely. Besides, by using their credit 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

ds, individuals benefit from purchase protection as provided for under section 75 of the Consumer Protection Act.

Credit card holders who meet minimum payments or pay the ful

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

l amount each month usually receive offers from their credit companies for a higher credit limit. In many cases, they even receive cheques from these companies encouraging ca

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

d holders to use them for practically any purchase they need to make.

For credit card holders, these questions must be addressed:

Is it the best

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

Combination pro

redit card?

Is the minimum payment or the full balance paid every month?

Does the credit card offer cash back or rewards that can be used to advantage?

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

>

With the proliferation of credit cards and the various ways in which they are structured, it certainly pays to shop around for the best credit card that serves the p

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

rson's needs in both the short and long term.

The credit card industry has become creative and flexible. Companies offer cash back credit cards, no-fee credit cards, and wil

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

l even offer zero percent interest on a credit card balance transfer for a fixed period, usually from six to nine months to promote their introductory offer.

The general rule

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

of thumb is that if credit card users pay off the full balance every month, a cash back credit card would probably be the best deal. Purchases are discounted and at the end o

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

12 months, the credit card holder receives a sum that can be used at the card holder's discretion.

If card holders are unable to pay off the balance each month, leaving an e

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

Following aspects would a

xisting balance on their cards, the best deal would most likely be a credit card that has a low interest rate averaging between 10% and 12%.

Card holders should know that a c

dd to the challenges in developing combination products:

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

edit card can have three separate types of interest rate associated with it and diligence dictates that credit card users should be familiar with what these rates signify beca

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

use when the monthly statement arrives, the amounts can be confusing. Below you will find a clear breakdown of these rates which serves as a guideline for individuals about to

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

fill in a credit card application. You can also find many online credit card guides for individuals who are not yet familiar with the dynamics of credit card use.

The

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

three different credit card rates one is likely to encounter are:

PIR – purchase interest rate: this rate applies to purchases of both goods and services<

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

Professional from academic institutions, pharmaceutical industries, health care indust

/li>

BTIR – balance transfer interest rate: this rate is applied to balances transferred from one credit card to another. Individuals usually take advantage of this fac

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

lity especially when the existing rate they are paying is too high

SVR – standard variable rate: this is the rate that is charged on all unpaid balances on the card

.

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

, except that of the balance transferred from another credit card

If in doubt, there are a number of very good online credit card comparison services which provid

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

Companies that provide selfless information through particip

individuals with key information. This in turn enables them to make an informed decision as to the best credit card to suit their present circumstances and spending patterns

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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