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It seems these days that anyone can get a credit card. You do not even have to be actively seeking a card, and offers will appear out of thin air

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

in your mailbox. There is no doubt about it, that credit cards are BIG Business, but how they are used can reward you as much as the company sup

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

Examples of combination products may in

plying the credit.

When it comes to spending, of course self control and common sense are needed, but that does not mean that you can't benefit

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

rom using the plastic money. Other than convenience(I hate writing checks), why else would you want to use the credit card. Here are a few reason

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

s and ideal situations to take advantage of:

One of the first reasons I like to use my credit card, is the level of protection it affords me. Ha

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

Combination pro

e you ever made a purchase for a product or service that did not come close to living up to the expectations you had? Well, you can have an extra

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

fighter in your corner if the seller of that product or service is not willing to fulfill their end of the commitment. I have only used my card

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 a couple of occasions where that has been needed, but it's sure nice to know that the protection is there, especially if making a large purchas

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

e.

Another great reason is the reward features that some credit cards offer, just for purchasing things you are probably going to buy anyway. I

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

ike getting cash back for my purchases, even if it's only 1 or 2%. If you can keep your card paid off on a monthly basis, then the percentage of

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

reward given back is like free money or an additional discount on something you needed anyway. Some cards pay 5%, so do some homework, and see wh

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

Following aspects would a

at credit card reward program works best for you.

A simple reward is that you can improve your credit rating by maintaining an active, and paid

dd to the challenges in developing combination products:

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

n time credit card account. The key here is to not spend past what you can keep paid off every month, so you are always current, and not putting

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

yourself in debt. Keeping the credit card paid off feels good too:)

Last one I'll cover for now is the record of spending it gives you. Sometime

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

it is hard to remember every dollar you spend through out the day, so it's nice that you get a statement from your credit card company every mon

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

th. By making all different size purchases on your card, it can help with a certain level of accountability as to exactly what your spending habi

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

Professional from academic institutions, pharmaceutical industries, health care indust

s might be. It can be one of those instances where you look at your statement, and there is a real sense of how much you might be spending on a d

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

aily basis. Used correctly, this could help you rethink some of those "impulse buys".

Conclusion: There are definitely rewards to having credit

.

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

ards, that can be of service to you, with a little self control and thinking ahead. Done correctly, I believe the rewards can greatly outweigh an

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

Companies that provide selfless information through particip

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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There are millions of mothers who consider becoming stay at home moms. Unfortunately, many of those mothers do not take action. There are a number of different reasons for that, but the most important one is money.

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