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Digg It - Are You A Credit Card Tart?
Some people use the word tart as an insult; others as a bit of friendly banter. Either way, it's not the sort of term you associate with financial
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
matters, especially not with credit cards. A credit card tart is someone who moves from credit card to credit card, taking advantage of the best of
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
ers. In the process, that person can save hundreds, and perhaps make money as well.
Being a successful credit card tart takes a bit of knowledge a
Being a successful credit card tart takes a bit of knowledge a
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
d a lot of organisation. The knowledge has to do with finding out which preferential rate deals are available. The organisation comes in rememberin
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
when you need to switch from one card to another.
How It Works
Many credit card companies offer incentives to get customers to sign up. Some inc
How It Works
Many credit card companies offer incentives to get customers to sign up. Some inc
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ntives are low balance transfer rates. These allow people to transfer balances on which they are paying a high rate of interest to credit cards wit
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
h a lower rate of interest. Sometimes this interest rate is as low as 0%, though this is usually available for a limited period of between six mont
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
s and one year. Other balance transfer incentives offer a low rate for as long as the balance transferred stays on the card.
Credit card companies
Credit card companies
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
hope that people who take advantage of these incentives will remain with them even when the preferential period runs out. Many people do, but credi
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
card tarts use these incentives to their advantage. Instead of keeping their debt on the same credit card forever, credit card tarts move their ba
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
ances from card to card, taking advantage of the best offers. This is also known as 'rate surfing'.
Making The Most Of Rate Surfing
Rate surfing
Making The Most Of Rate Surfing
Rate surfing
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
can save hundreds as people who are enjoying a low or nil balance transfer rate are able to pay off some of the balance when making their payments.
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
To make the most of rate surfing, look at the small print to see what transactions the preferential interest rate applies to. There may be a diffe
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
ent rate for withdrawing cash, using credit card cheques or making purchases.
Keeping A Good Credit Rating
The key to being a successful credit c
Keeping A Good Credit Rating
The key to being a successful credit c
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
rd tart or rate surfer is to make all the credit card payments on time. Late payments will affect your credit rating. A poor credit history will 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
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
e it harder to get a new card the next time you want to take up an offer.
Credit card companies have now got wise to rate surfers and credit card
Credit card companies have now got wise to rate surfers and credit card
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
tarts. Many of them have introduced a one-off balance transfer fee. This is usually a fixed percentage of the balance transferred. In some cases, t
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ere is no cap on the fee, so transferring a large balance could incur a huge fee. This is a way for credit card companies to make rate surfing less
.
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
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
attractive, as the practice costs them hundreds of thousands in lost interest each year.
Credit card companies are also becoming very selective ab
Credit card companies are also becoming very selective ab
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
ut who gets their credit cards. This is another way of clamping down on credit card tarts, so if you're a credit card tart, enjoy it while it lasts
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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