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How many credit cards do you have? Maybe even more important is how many of them carry a balance each month. If you are getting into debt and

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

using credit cards to bail yourself out then as they say "Houston we have a problem." You have to ask yourself if you should be paying cash

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

Examples of combination products may in

instead of charging everything.

It is a sad reality today that the financial health of the average person in America is worse today than it

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

was 10 years ago. Foreclosures are at an all time high. Savings are at an all time low and consumer credit card debt continues to rise.

Many

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

people use credit cards to pay for almost everything. When is the last time you saw someone write a check. It just does not happen very ofte

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

Combination pro

n. Using a credit card is very easy to do.

As long as you are the type of person who keeps track of their monthly expenditures this is o.k.

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

The other thing is as long as your job keeps providing you with a good monthly income paying your monthly credit card charges is not a proble

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

m either.

What happens next however is where credit cards become hazardous to your financial health.

Using credit cards provide you with th

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

e means to live a better lifestyle which may be even beyond your income. The breaking down of the payment into small monthly instalments also

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

gives you a false sense of a security.

The more you use credit cards the easier it is to pay for medical bills, groceries, the holidays, ed

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

cation fees, day to day living expenses, and more. Sooner or later this catches up with many people.

Credit card companies only require you

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

Following aspects would a

to pay the minimum balance every month. Some months that may only be what you can afford to pay. This carries forward your credit card balanc

dd to the challenges in developing combination products:

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

e and begins to add to it the interest as well.

This means that you begin to pay a large amount of interest which can add up over several ye

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

ars. There is also the possibility that the interest will end up costing you more than the actual cost of product was to begin with.

One maj

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

or problem is the high APR, annual percentage rate, that many credit card companies charge. As your balance increases it becomes almost impos

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

sible to pay anything towards it and you are only paying the interest every month.

This is a cycle that you can not easily get out of. One w

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

Professional from academic institutions, pharmaceutical industries, health care indust

ay to do that is to look towards a credit counseling service for help. FreedomDebt.com is one company that is actually better than a credit c

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

ounseling service.

They will look at your financial picture to see how they can help you. They will work with your creditors to set up a rep

.

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

ayment plan and get interest stopped or lowered. Then you can begin to get your life back and recover financially from the hole you are in.

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

Companies that provide selfless information through particip

To think all of this started because of the misguided use of credit cards and in many cases it could have been avoided by paying cash instead

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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