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If you have any kind of existing credit card balances, balance transfer credit cards may be just the thing you need to reduce your cre

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

dit card debt. They can also help you save money in other ways, too. Here are some ways that a balance transfer credit card can save y

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

Examples of combination products may in

u some money.

0% APR Interest

The first way it can save you money is that, hopefully, the new card gives you a 0% APR interest intro

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

uctory offer for balance transfers. You will need to double-check the fine print on the credit card to be sure that this rate applies

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

o balance transfers. Most often it applies to the interest rate on your purchases, and only on some cards will it apply to transfers.

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

Combination pro

If you also get that rate of interest on your transfers, then be sure to notice how long that you get that rate for. The rate on balan

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 transfers is often different than the length of the introductory offer.

The 0% APR interest generally applies to your purchases mad

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

during the introductory time period. This gives you great savings over that time frame, but be sure to pay off the balance each month

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

- and on time, for the best savings. Any late fees take away any savings you get, otherwise, and you may actually end up paying more t

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

han if you had made your purchase at retail prices.

Balance Transfer Fees

Another thing you need to look for is to see if there are

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

ny fees associated with the transfers. Some balance transfer credit cards will charge up to a hefty 4% of any amount transferred to th

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

Following aspects would a

card. While this figure may sound good when compared to the interest on the other card, keep in mind that many cards will not charge

dd to the challenges in developing combination products:

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

nything.

Rewards

Choose your balance transfer credit card on the basis of this option, too, since you can definitely save some money

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

here, if you get the right card. Rewards come in many types, but if you get one that is geared to your needs (most expenses per month

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

, then you will probably be able to save considerably. A card with rewards on it means that you get either discounts on future purchas

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

s, rebates or cash back. This amount of savings can certainly add up after a while, and can put a smile on your face when your bill co

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

Professional from academic institutions, pharmaceutical industries, health care indust

es each month.

Remember to compare a number of balance transfer credit cards in order to see what kinds of deals are available. Also,

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

be sure to look at the various fees, so that you do not lose the value of your rewards. There can be many fees on a credit card, but

.

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

y shopping around, you may be able to get one that does not have very many, or, has fees that you can avoid with prompt and full payme

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

Companies that provide selfless information through particip

ts. Get as low of an interest rate on the card as you can for the time after the introductory time period runs out – or get a new card

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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