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Credit cards that offer a rebate on gasoline purchases are the latest marketing push from most major credit card companies. More than 20 mil

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

lion direct mail pieces touting the benefits of gasoline rebate credit cards will find their way into the mailboxes of American consumers thi

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

Examples of combination products may in

year. Television, radio and print advertising expenditures for this rebate campaign are also expected to be much higher this year.

Are thes

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

gasoline credit cards a good deal for consumers? Should you bite at the latest Discover or Chase Perfect Card rebate offer? Probably “Yes” b

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

t only if you pay-off the entire credit card balance on-time each and every month.

If you fill up a 20 gallon tank once a week at $2.90 per

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

Combination pro

allon with a 5% rebate credit card that would bring your actual cost per gallon down to about $2.76 per gallon. But that’s only if you pay-of

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 entire balance.

Interest rates on these gasoline credit cards range anywhere from around 14% to 34%. Most are adjusted to the prime rat

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

and would climb even higher if the Fed continued its present trend of rate increases. Even at the low end of the range, if you carried the b

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

lance for one month’s gas purchases for a year, your actual cost per gallon for that month would have been around $3.30 per gallon. If you m

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

ssed the credit card company’s payment date that month and got whacked with a late fee, your cost per gallon for that month would have been a

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

ound $3.79 per gallon. If the addition of the $39 late fee to your balance kicked you over the card’s credit limit and you added the $35 over

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

Following aspects would a

limit charge, your cost per gallon for that month goes up to about $4.23 per gallon.

With any credit card offer the small print is everythin

dd to the challenges in developing combination products:

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

. The grace period for paying credit card bills, now around 20 days, keeps getting shorter. The Universal Default provision buried deep in th

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

credit card company’s contractual language could allow the credit card company to raise the interest rate on your credit card account with t

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

em if you bounce a check at the grocery store, or are late or miss a payment on another, completely unrelated, credit card or maybe even your

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

utility bill.

Many of these gasoline rebate cards offer attractive introductory rates that become less so after three months, or restrict th

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

Professional from academic institutions, pharmaceutical industries, health care indust

best rebate to certain brands of gasoline, or charge an annual fee if you do not use the card frequently enough. Almost all the gasoline reb

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

te card offers are joint ventured with specific gasoline retailers. Shell and Citibank, Chase and Marathon, RBS National Bank and Kroger to n

.

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

me a few. Not every gasoline retailer has a station on every corner. Check to see if the rebate offer is limited to a specific geographical r

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

Companies that provide selfless information through particip

gion. For example, the Citi AAdvantage card offers double miles on gasoline but only to card holders in Miami and the New York tri-state area

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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If you enjoy taking pictures what could be more thrilling than doing it for a living? Just think of how wonderful it could be to be a paid invite to hundreds of weddings and parties a year, to capture joyful family memories that will last a lifetime everyday, to watch children grow up, or even to just to experience others smile everyday of your career. With photography you can do just that. And what is great about the photography industry is there

Methods to show people see that your message is worth paying attention to, whether it is a notice on the staff board, a letter to existing customers or a sales presentation.

Yes! Blogs and RSS boost your online business, rankings, traffic and sales. We all sometimes ignore the trends in advertising on the internet until the masses are allready doing it. That is why I felt compelled to write this article and hopefully help others to understand that Blogs are a very powerful advertising method and you do not want to ignore this trend

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