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Credit cards can truly be considered as an integral component of modern society. It is the fastest, easiest and most comfortable way

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

of making the right purchase, no matter large or small not carrying a lot of cash with you. With your credit card in your hand, yo

; 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 make the bank pay for your purchase and you return the loan in monthly installments on the balance. The types of obtainable credit

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

cards differ, the interest rates and annual fees vary also, but generally there are four most common credit card types: Zero/low I

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

nterest Rate Credit Cards, Reward Credit Cards, Secured Credit Cards or Bad Credit Cards and Student Credit Cards.

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

Combination pro

ong>Zero/low interest rate credit cards, such as Visa and MasterCard are the most popular ones. The offered interest rates a

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

nd annual fees differ. However, if you are able to pay back the debt within the short time limits, then you may even enjoy the zero-

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

rate cards. Caution: Beware of the time constraints, the life capacity of such cards is from six months to one year and finally you

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

may find yourself paying even more then you would in other case. But this card has other privileges also, especially for those who

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

know that they will return the money within certain period, it is the best way to save on interest rates.

Rew

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

rd cards are also intended for those who pay off quickly and in particular for those who make large purchases through credit

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

Following aspects would a

cards, in this case there is no annual fee. Several types of reward cards return 4-5% cash back. Caution: Some may have high intere

dd to the challenges in developing combination products:

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

st rates and so the benefits may not turn out not as rewarding as it may seem.

If you had problems with credit cards e

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

arlier and your credit history is far from being exemplary, then secured credit card is the right choice. Nevertheless of your past,

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

you can enjoy your future. In the majority of cases, you have to put certain deposit on your card when applying. Not surprising tha

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 most of the credit cards have high interest rates and annual fees.

Education is always a worthy investment and most

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

Professional from academic institutions, pharmaceutical industries, health care indust

anks choose to establish credit relationships with the students before they are into their careers. There is no set credit rating fo

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

r the student cards. The interest rates and annual fees differ. The student cards are often followed by different bank products so t

.

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

he best one has to be chosen based on specific need.

And finally, credit card is a key role player in the life routin

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

Companies that provide selfless information through particip

e and even if selecting the most convenient one may take some time and effort the feedback of comfortable life is a proper recompense

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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