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The Chase Platinum Visa card is essentially a platinum card with an ideal rewards program. In this

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

sense, users with very good credit ratings should get this card and make good use of its one-year 0

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

Examples of combination products may in

introductory APR benefit on both balance transfers and purchases.

Once the promotion period is ov

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

r, the APR for purchases varies with the user’s credit rating, ranging from as low as 6% to as high

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

as 15%, in accordance to the Prime Rate. However, the regular rate is advertised as 13.75%. As for

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

Combination pro

he APR for cash advances, it is the norm for the rates of platinum to be higher, which is why the A

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

R for the Chase Platinum Visa Card is at a whopping 23.75%.

On the flip side, there are no annual

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

ees or registration fees required for this card on top of a flexible rewards program. The Chase Pla

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

inum Visa rewards program allows card users to collect points for every dollar users charge to thei

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

purchases. These points can then by used to redeem merchandise, gift cards, traveling tickets or e

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

en to get some cash back. Ideally, these points should be redeemed within a period of five years be

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

Following aspects would a

ore they expire. Apart from that, there is also a limit as to the number of points that can be coll

dd to the challenges in developing combination products:

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

cted each year, with the maximum of 60,000 points.

Also, the Chase Platinum Visa card utilizes a t

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

o cycle average daily balance billing method that should be avoided by those who tend to carry mont

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

ly balances. Rather than charging the interest rate based on the monthly outstanding balance, the s

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

stem averages out the balances of the previous month with balances of the current month. With this,

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

Professional from academic institutions, pharmaceutical industries, health care indust

interests payable will be higher as compared to the average daily balance system of interest tabula

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

ion.

Finally, the Chase Platinum Visa card also comes with a shorter grace period of 20 days and 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

barrage of fees for cash advances, balance transfers, surpassed limits and late payments. A fee of

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

Companies that provide selfless information through particip

15 is chargeable for balances amounting to less than $250 and a $39 fee for balances more than $250

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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