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Digg It - How to Get a Better Rate from Your Current Credit Card Company
You have just realized that your credit card company is charging you a hefty 20% interest on your charges! Th
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
at is way off as compared to the 11% to 15% rates that you see online. When it comes to credit cards, a 5% di
; 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
fference in interest rates can mean a lot especially if you have balances rolled over to the following months
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
. Is there any way you can obtain a better rate without switching credit cards?
The answer is yes. The first
The answer is yes. The first
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
thing you should do is to run a check on your credit report. As you are entitled to one free credit report e
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ach year, this is a good opportunity for you to dig out any discrepancies that the credit bureau may have on
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
your credit history. In the event that there are errors in your report, you should get them sorted out as soo
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
n as you can.
If your credit report looks great, this means that you are of a low credit risk to your credit
If your credit report looks great, this means that you are of a low credit risk to your credit
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
card company. This is essential as your risk level should correspond with the interest rate applicable to yo
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
ur credit card charges. Thus, a lower risk means a lower interest rate. Armed with the details of your credit
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
report, call your credit card company and ask them to reduce your interest rates. Give them valid reasons su
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
pporting your claim, coupled with information on attractive rates from their competitors.
Your credit card c
Your credit card c
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
ompany should be open to listen to you and your reasons. The least they should do is to tell you that they wi
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
ll get their management team to evaluate your case. Perhaps your credit history was not as favorable as it is
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
now at the point when you applied for your credit card. That could very well be the reason for the high inte
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
rest rates.
If your credit card company still refuses to budge after negotiations, perhaps its time that you
If your credit card company still refuses to budge after negotiations, perhaps its time that you
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
consider a switch to your credit card. There are many credit cards in the market that offer balance transfer
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
s at low or no cost. What’s more, they are willing to lower their interest rates or even go on a 0% APR for a
.
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
n introductory period. As their goal is to make you their customer, they are willing to go the extra mile to
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
switch you to their side. Perhaps this is something that your current credit card company is unwilling to do.
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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