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If you have had bad credit in the past, it might seem hard to get a credit card that isn’t more expensive than it’s worth. If you have

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

had bad credit in the past or not, it is important that you avoid sub-prime borrower cards. These cards are very expensive, and if this

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

Examples of combination products may in

is your only option you should not get a credit card. If you want some advice on how to avoid sub-prime borrower cards then this guide

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

can help you.

What is sub-prime lending?

Sub-prime lender is not a new type of lending, but it is growing in popularity. This type of

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

lending is offered to people who have poor credit or who don’t meet the requirements of other lenders. Although this might seem like a

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

Combination pro

good thing, often the drawbacks and costs of such lending far outweigh the benefits.

What are the costs?

Although it might seem stran

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

e that a lender would want to take a risk giving a credit card to someone is a risk in terms of being able to pay the money back, they

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

can actually make a lot of money from it. By offering poor credit consumers credit cards that they could not get anywhere else, but wit

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

massively high interest payments and fees, they can make money even if some people are unable to pay. You might get a ?500 credit limi

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

t, but ?200 of that could be fees and the interest could be 30% or more.

Who gets targeted?

Mostly people with poor credit ratings ge

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

targeted for such cards, although other groups of people can end up being offered these cards, such as the self-employed. If you are o

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

Following aspects would a

fered one of these cards you should definitely decline. Even if your credit is bad you should not have to pay such an amount for a card

dd to the challenges in developing combination products:

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

. If there are no other options open to you, then it is likely that having a credit card would be a bad idea for you anyway.

Alternati

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

es

If you do want a card but have poor credit, then there are options open to you. If you shop around online you should be able to fin

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

d a good deal that has reasonable rates and good levels of service. If you are unable to get a regular credit card but you need somethi

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

g to repair your credit history, then look at getting a secured card. These cards require you to secure the credit by putting up someth

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

Professional from academic institutions, pharmaceutical industries, health care indust

ing as collateral. Although these cards don’t offer you much in the way of spending power, they are a lot cheaper than sub-prime borrow

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

r cards.

Seek advice

If you are having problems finding a credit card that does not have extremely high fees and want some help, then

.

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

consult an independent financial advisor for some advice. They will be able to tell you honestly what your options are, and which prod

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

Companies that provide selfless information through particip

cts to avoid. If you look around and avoid the extortionate sub-prime lenders, then you will end up with a much better credit card deal

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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