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Using credit cards effectively often depends on the level of credit that you have, and how you spend that credit. There are times when you might need

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

to increase your credit limit, and times when you might need to reduce it. If you are unsure about how to adjust your credit limit to suit your need

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

Examples of combination products may in

s, then follow this simple advice in order to know when to adjust your credit limits.

What are your current limits?

Before knowing whether you shou

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

ld adjust your credit limit, you should work out what the limits on your cards are currently. Knowing exactly how much credit you have will help you

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

to determine whether you need to raise or reduce your credit limit, or keep it the same.

Increasing credit limits

If you find that your current cre

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

Combination pro

it limits are not large enough for your needs, then perhaps it is time to increase your credit limit. If you have a good credit score and have always

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

paid on time, then you are much more likely to be eligible for an increase. Contact your card issuers and find out if you can get an increase. If yo

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

u are unable to get an increase but feel that you really need one and can afford it, then look into getting an additional credit card.

Reducing cred

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

it limits

If you have recently paid off credit card debts or you have changed your lifestyle, then you might feel that reducing your credit limit is

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

a good idea. Reducing your credit limit can be a good idea if you don’t want the temptation of spending all your credit, or if you want to simplify

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

our banking.

Problems with reducing your limit

Although reducing your credit limit can be a good idea, if you do it in the wrong way you can affect

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

Following aspects would a

your credit rating. Your credit rating is partly calculated by looking at your available credit and current balances. If you reduce your credit limi

dd to the challenges in developing combination products:

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

t, then the percentage of your total credit that is used will increase, and so might reduce your credit rating. If you can avoid the temptation, then

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

keep some of your credit. However, if you think that reducing your credit is the best idea, then advise your card issuer that you want your credit l

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

owered.

Only spend what you can afford

If you are increasing your limit rather than reducing it, you need to remember to only increase the limit to

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

what you can afford to pay. People with good credit history can often get hold of credit limits that they cannot possibly afford to pay back. Banks o

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

Professional from academic institutions, pharmaceutical industries, health care indust

perate automated credit increases if you are a good customer, regardless of whether you can really afford it. If you are to increase your limit, make

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

sure that you really can afford to make the repayments.

Have some spare

Generally, you should always make sure that you have some spare credit for

.

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

emergency purposes. If you can avoid spending the extra credit, then having spare credit can be very useful and will also show that you are a respon

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

Companies that provide selfless information through particip

sible spender. If you can adjust your credit limits to suit your needs then you will make the most of your credit cards and not be controlled by debt

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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