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Credit cards are an important means of establishing credit history. Using them responsibly, controlli

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

ng your spending habits and not misusing them will always help the cause. Here are few things to keep

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

Examples of combination products may in

in mind before you apply for a credit card.

It is always better to use a credit card which is issued

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

in your name. The simple reason being, it helps establish credit history for you. Use the correct id

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

ntity, and get credit card issued for proper name, social security number, and address.

Decide what

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

Combination pro

type of credit card you need and don't get impulsive about obtaining it. Have patience and compare va

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

ious offers that suit your choice.

The APR of credit card is a very important point not to be missed

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

by any credit card owner. There are various types of APRs, like the 0 intro APR, regular APR, APR fo

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

cash advances, APR for purchases, APR for balance transfer etc. These APR contro what interest you p

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

ay on your credit card outstanding balances. Get compelte idea about the APRs that will affect you du

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

ing your credit card ownership.

If you are getting a reward credit card, make sure you know how the rewards will be redeem

dd to the challenges in developing combination products:

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

ed and using the credit card at what locations or merchants will help you get the maximum reward bene

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

its. Another thing to watch out is the limitations to the reward program. Check carefully about what

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

limits the rewards like minimum reward points, blackout dates, redemption locations, choice of airlin

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 etc.

Carefully note the billing date of credit card, the payment has to reach the credit card comp

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

Professional from academic institutions, pharmaceutical industries, health care indust

any before this date. Also check out whether the credit card company allows grace period or not.

The

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

fees like cash advance fees, balance transfer fees, annual fees, late payment fees are a regular feat

.

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

ure with every credit card. Keep a track of them.

Read the terms and conditions of the credit card d

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

Companies that provide selfless information through particip

cument carefully before using the credit card.

These steps should help you get the right credit 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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