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Getting those bills in the mail is not much fun - especially the credit card bills. But what if, every time you got a bill, you also were informed about how much money your purcha

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

ses had earned - wouldn't that make it more interesting? That is exactly what credit card rebates does for you. Many credit card companies are now offering rebate credit cards, gi

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

Examples of combination products may in

ing you a percentage back. We have offered a description of what to look for in your new rebate credit card and how to get yours, quickly and easily.

Compare The Interest

Gettin

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 rebates sounds like a really good idea - and it is. A few years ago - about 15, or so, there was a standard fee that everyone had to pay if they owned a credit card.

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

nly more recently did the credit card companies begin to vary from this pattern of standardization -apparently the competition demanded new ideas. Now just about all of them have

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

Combination pro

ome kind of unique way to get people to sign onto their card.

A rebate credit card is really only better for you if you are in the habit of paying it off each month, when your bi

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

l comes in. This kind of card is normally a little higher in interest than a regular credit card would be. This is their way of offsetting the expense. As long as you pay the bill

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

each month you will not have a problem. If, however, you allow your bill to be carried over into the next billing period -- well, the truth is that your card really won't do you m

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

ch good. You could do better with a regular credit card.

Look For Annual Finance Fee

Rebate credit cards will often charge an annual finance fee. Some cards will waive it for th

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

first year, but then you will be charged in successive years. The fee can also vary quite a bit, too, going from as low as $15 to as much as $135 per year.

Notice The Caps

Quit

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

a number of these cards carry caps on just how much of a monthly (or yearly) rebate you can receive. It may differ, too, in the different kinds of purchases you make. They often

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

Following aspects would a

will give you one rate for groceries, medicines, and gas, and another rate for purchases you make at certain stores, and then another rate for your general purchases.

Watch Your

dd to the challenges in developing combination products:

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

tatements

The actual amounts that you receive from your rebate credit card will often depend on which of the above categories the purchase is placed into - this is often their pr

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

rogative - but still, gas is gas. In order to ensure proper crediting, you will need to verify your purchases, each month, the rebates that are given to you.

Note The Time Frame

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

A rebate credit card often uses the rebates part of it as an attraction for you to get the card -- and it is a good one, too. Keep in mind, however, that the rebates may not keep

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

oming -- but usually are good only for the first year of the card. Other cards may only give the initial offer for three months, and then drop down to a lower credit card rebates

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

Professional from academic institutions, pharmaceutical industries, health care indust

evel after that. By shopping around, you will quickly find that there are many different conditions for similar cards.

You also will want to read the fine print about possible la

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

e payments -- just in case. A late payment may be all that is necessary to put you in a category of paying the highest possible interest. So, be informed, and enjoy as many possib

.

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

e benefits as you can, too.

Getting your own credit card rebates is a great way to go - but there is one that is even better. When you shop around, before you sign up, try to get

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

Companies that provide selfless information through particip

a rebate credit card with 0% APR, and low interest. This way, as long as you make the monthly payment in full, you will be saving on interest, and get those wonderful rebates, too

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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