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The credit card industry a few years ago began doing the same thing the automotive industry did, they began to off

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

er zero interest to try to entice clients. Little did they know that they had opened a Pandora's Box in which peop

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

Examples of combination products may in

le now shop constantly for companies to swap back and forth with to maintain a zero interest balance on their card

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

s.

We used to be happy with just getting a good rate and maybe a little kickback once a year, now we are assailed

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

with offers of zero interest from every direction and it sounds like a really good deal, but is it really? Are th

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

Combination pro

e companies really giving you a zero interest loan of their money?

Credit card companies look at the zero interes

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

t hook as a way to get you to come on board as a client, the expense of the zero interest offer is simply a cost o

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

doing business for them.

If you take a closer look at these so-called zero interest credit card offers they all

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

have time limits and other factors built into them to help protect the credit card company. The appeal for these s

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

hort term zero interest offers lies mainly with those who have large balances on their cards with significant inte

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

rest rates. It sometimes makes sense to switch to save the interest charges, just don't fall into the trap of lett

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

Following aspects would a

ing the balance ride. Take advantage of the interest charge reprieve and pay the balance off. This is the advantag

dd to the challenges in developing combination products:

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

e of making the switch that so few people use. The credit card companies know this, in fact they are betting on it

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

.

The big dangling carrot of zero interest is not appetizing to everyone. Some people like those I mentioned abov

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

who pay their cards off every month could care less about a zero interest offer. They are more concerned with no

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

annual fee, rewards points, and membership bonuses. For someone who doesn't carry a balance a zero interest offer

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

Professional from academic institutions, pharmaceutical industries, health care indust

is meaningless.

If you are being tempted by a zero interest offer take into consideration what type of borrower y

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

ou are. Are you the type that pays off your card balance monthly or the type who carries a substantial balance for

.

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

an extended period? If you fall into the latter category then a zero interest offer may be just what the credit d

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

Companies that provide selfless information through particip

octor ordered. If not, then shop around for the lowest annual fee with the most add on benefits for using the 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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