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Digg It - Why You Should Buy (Nearly) Everything On Your Credit Card
By and large, credit cards get a bad rap. Many believe that they are simply a fast-track route to debt.
That's only the ca
That's only the ca
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
se if you spend more than you can afford on them, however. If you simply switch your spending so that you buy almost everyt
; 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
hing you need on your credit card, it can save and even make you money.
The first and most obvious benefit of paying with
The first and most obvious benefit of paying with
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
credit card is that there is a period of weeks, maybe longer, from when you make your purchase to when you actually have t
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
o pay for it. The exact length of time depends on how long it is until your card's next monthly due date.
During this time
During this time
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
the money you would otherwise have spent will still be in your bank account, where it should be earning you interest. When
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
the monthly due date comes around, simply pay off the whole balance outstanding, and pocket the interest. If you use your c
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
rd for all your routine spending - food, clothes, gas, power bills, and so on - simply doing this can generate several hund
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
red dollars a year in additional income for you. Just remember to pay off your credit card balance in full every month, to
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
void getting charged interest.
But it doesn't stop there. Many credit cards nowadays offer cashback on spending (if your p
But it doesn't stop there. Many credit cards nowadays offer cashback on spending (if your p
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
resent card doesn't, apply for one that does). With cashback credit cards, for every dollar you spend, the card company wil
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
l give you back some money, usually in a single payment made once a year.
The amount paid back is calculated as a percenta
The amount paid back is calculated as a percenta
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
e of your total spending. Percentages vary, but typically range from 0.5% to 2%. Some card issuers pay higher rates for pur
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
chases in some categories or made through certain retailers. The Discover® Platinum Card, for example, offers up to 1% cash
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
ack normally, but 5% on purchases made from selected merchants in their Get More Program.
By making most of your purchases
By making most of your purchases
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
using these two methods, you should be able to generate a substantial extra sum from cashback and interest received. It's
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
he equivalent of giving yourself a payrise! Just a word of caution, though. With certain items, if you pay by credit card a
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
surcharge may be imposed. Low-cost airline tickets are one example. In these instances, it is better to pay with a check o
.
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
debit card (or even cash!).
And, though it should hardly need saying, NEVER use your credit card as a means of borrowing
And, though it should hardly need saying, NEVER use your credit card as a means of borrowing
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
money. You will be charged interest from the day you make the transaction, and may be charged an administration fee as well
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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