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If you have just gotten a new card with a great rate, you might want to take another look. Although you might have secured 0% for the next 6 months, there are of

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

ten a range of cleverly disguised fees and penalties to take into account. If you are unaware of them then these fees and penalties can really add up, and end up

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

Examples of combination products may in

making your great deal cost you a lot of money. Here is some advice about how to identify and avoid these sneaky card charges.

Removal of benefits

One of the s

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

eakiest charges is not really a charge at all, but rather a removal of the benefits that you have on your card. If you have a low APR or balance transfer rate, t

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

en you should not take these for granted. Although you might believe this deal is secured for the next 6 months as promised, this is subject to you meeting stric

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

Combination pro

criteria. If you are even 1 day late with paying your bill, or go over your limit by the smallest amount, these offers can be taken away from you and replaced w

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

th a much higher APR. Although this is explained in the small print of the contract, many people overlook this and then feel the sting when their 0% credit card

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

urns into a 20% one. Make sure that you know the conditions for keeping your deal, and then stick to them as best you can.

Balance transfer charges

Although so

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

e cards offer a 0% rate on balance transfers, that does not stop them charging you a handling fee for the transfer. Despite you not having to pay interest on the

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

transferred balance for a period of time, it will cost you money to transfer the balance. If your balance is relatively low then you could be forking out a hefty

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

percentage of the total amount. Make sure that you check the associated fees for balance transfers before proceeding.

Paying off the cheapest debts

Another pro

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

Following aspects would a

cedure that can cost you money is the way that your card issuer pays off the balance you have. As you begin to pay off the balance, the card issuer can decide wh

dd to the challenges in developing combination products:

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

ther to pay off the higher rate part of the balance or the lower rate part. For example, if you have made a balance transfer of ?1000 to your card at 0%, and the

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

have ?500 in new purchases at 17% interest, the bank is more than likely to pay off the 0% amount first so that they can make money in interest off the other am

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

unt. If you are going to get a new card, check out the way that the issuer pays off the balance, because if you can find one that pays the expensive part off fir

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

t then you could save some money.

Penalty fees

Although your card might have low APR and a nice credit limit, if you don’t stick to making your payments on tim

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

Professional from academic institutions, pharmaceutical industries, health care indust

then you could end up paying huge amounts in penalty fees. For example, if you have a balance of ?990 on your card with a limit of ?1000 and you don’t pay your

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

ill on time, you could be hit with a ?25 charge. This charge will put you over your credit limit, and trigger another ?25 charge. Before you know it you could ha

.

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 paid ?100 in charges just for being a day late with payment. Although some credit card charges are disguised well, it is important to read the contract thoroug

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

Companies that provide selfless information through particip

ly and check all the charges before signing anything. If you do this then you will avoid most sneaky card charges and be able to take advantage of your low rates

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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