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Credit cards have become a common means of paying bills. It is very convenient because you need not make any cash payments from your pocket. Though 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

cards are easy to use, they come with a fee that is charged by the credit card company. It is advisable to pay credit card fees on time because being lat

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

Examples of combination products may in

will cost you a lot of money.

Many credit card companies charge a penalty for late fees, so it is advisable to pay up in time, to avoid the penalty. The

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

average late fee for credit card used to be 12 dollars in 1994; by 2004, it rose to 32.65 dollars. It has now gone up to a whopping 39-40 dollars. Hence,

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

it is prudent not to delay your payment.

You can stay away from late fees by various methods.

1. The best way to avoid late fees is to be fully aware of

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

Combination pro

all the conditions and restrictions related to your credit card company. You can get the information of the guidelines on the back of the credit card bill

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

that your company sends you. Try to make use of the specified instructions of payment in order to ensure that your money reaches them on time, without any

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

problem.

2. Having a good record can always help. As a responsible credit card user, you must try to maintain a good record of your payments because man

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

companies that issue credit cards make considerations on the late fees if you have a good payment record. They do this as a special courtesy for their re

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

ponsible customers.

3. If you forget to pay your credit card fees, and the due date is already upon you, you can avoid the late fees by paying via the te

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

ephone, instead of using the mail. To enable this, there is a toll free number on the back of every credit card. In order to make payment you need a check

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

Following aspects would a

number and a bank routing number. You can find these numbers at the bottom of every check. Once you make the payment you should tear off that check, as y

dd to the challenges in developing combination products:

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

u cannot use it again. Some credit card companies keep this facility free of cost for their customers while others charge about 5 to 20 dollars. Make it a

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

point to ask your credit card company about this facility.

4. In case your company does not offer you the facility to pay your bills by phone, then you c

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

an always use express mail for payments. Although using the express method may cost you extra money, it will be less than the late fee that your issuer ma

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

impose on you. Besides, it will help you send your money to the company as soon as possible.

5. Try paying online. Many companies accept payment through

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

Professional from academic institutions, pharmaceutical industries, health care indust

the Internet. This method can prove to be very useful if you are traveling.

6. If you do not have the required cash to pay your bills and the due date is

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

approaching, then you can talk to your credit card company and set your own due date for payment. Set the due date at a time when your salary arrives. He

.

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

ce, enabling you to pay your bills without late fees.

Therefore, in order to keep your credit card use hassle-free, remember to make your payments on tim

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

Companies that provide selfless information through particip

and in the right manner specified by your credit card issuer. Try and stay out of the late-payment cycle to avoid the extra cost in the form of late fees

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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