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If your mailbox is anything like mine, it brings you a new credit card offer at least dai

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

ly. The trouble is choosing the credit card that makes most financial sense for you. 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

article will touch on a few of the most important factors, and will hopefully help you ch

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

oose the best credit card for your needs.

Interest Rates

The first factor to consider i

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

interest rates. Ideally, you want to get the lowest interest rate you can. This is espec

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

Combination pro

ially true if you think that you might on occasion put charges on your card that you cann

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

t pay off right away. If you plan on paying off all charges the same month you accrue the

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, though, the interest rate may not be as important to you.

Rewards

Many credit cards

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

ow feature various kinds of rewards programs. The rewards programs are widely variant, so

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

it is a good idea to do a little research and choose the best one for your uses.

There

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

re two basic kinds of rewards programs: cash back and points. With cash back cards, you g

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

Following aspects would a

et a certain percentage of all your qualifying purchases back, usually as a credit on you

dd to the challenges in developing combination products:

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

account. With a points system, you get a point, usually for each qualified dollar you sp

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

end on your card. You can then redeem those points for merchandise. Sometimes the points

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

ay only be redeemed at one store, sometimes at many stores, other times for airline ticke

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

ts, etc. Just be certain that the card you get allows you to redeem your points in a way

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

Professional from academic institutions, pharmaceutical industries, health care indust

he benefits you.

Credit Limit

Be sure that the credit card you get has a high enough cr

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

edit limit to meet your needs.

Other factors you should take into account include annual

.

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

fees, financing fees, credit requirements, online banking availability, introductory offe

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

Companies that provide selfless information through particip

rs, etc. There are also websites that can help you find credit cards that meet your needs

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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