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Credit cards offer plenty of benefits and convenience. And these days, there are cards for everyone. With so much variety, choosing a credit card can quic

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

kly turn into a daunting task. But it doesn’t have to be. By reviewing your needs, you can easily match a credit card to your lifestyle. Here are three th

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

Examples of combination products may in

ngs to consider as you choose a credit card.

Check the Interest Rate

Every credit card has an annual percentage rate, or APR, attached to it. If

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

you pay off the balance each month, this will not affect you. However, most of us do occasionally carry a balance, so finding a good APR is important.

M

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

ny cards come with an initial low or 0% interest rate. After a period of time, varying from a few months to a year, the regular interest rate will be used

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

Combination pro

. Some cards offer low interest rates, while others charge a higher one.

You will want to check if the card has a fixed or variable interest rate. A fixe

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

rate is one that will not change unless the issuer notifies you. A variable interest rate is usually attached to another rate, such as the prime rate. As

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

the prime rate changes, the interest rate on your credit card will also fluctuate. There are often limits included, which define how high or low your rat

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

can go. Check the fine print of the credit card application to get a better understanding of the interest rate and how it works.

Look at the Finance

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

Charges

Most credit cards have a number of finance charges included. Some charge an annual fee for carrying the card. This can range from $25 to $75,

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

and sometimes more. Other costs may be incurred through balance transfers, cash advances, late payments, or by exceeding the credit limit. These may or ma

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

Following aspects would a

not affect you, depending on how you use the card.

Besides the fees, you will want to look at the grace period. This is a free period that allows you to

dd to the challenges in developing combination products:

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

avoid finance charges by paying off the balance before the due date. Some cards have a long grace period, while others do not include one. By reading thr

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

ugh the terms and conditions, you will better understand the charges attached to the card.

Compare Additional Benefits

Participating in a reward

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

program can help you accumulate additional benefits quickly. Some cards give you cash back when you make purchases. This usually ranges from 1% to 6% of

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

he amount spent. If you spend a lot of time driving, a card with gas rewards will be very advantageous; similarly, if you travel frequently, you can earn

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

Professional from academic institutions, pharmaceutical industries, health care indust

valuable airline miles through a credit card that offers miles or points for travel with your purchases.

Some cards can be used to consolidate debt. Look

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

for one with a low charge for balance transfers and a 0% APR introductory rate. Then transfer your balances onto the card. If you can, try to pay off the

.

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

entire debt before the 0% APR offer expires.

By evaluating your needs, you can decide what to look for in a credit card. Search for one that fits those n

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

Companies that provide selfless information through particip

eds and then apply online. The card will soon arrive in your mailbox. Use it wisely, and you’ll enjoy the convenience and benefits of having a credit card

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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