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Credit cards have ballooned in popularity in the UK. A recent study has shown that very soon, over a third of all adults in

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

the UK will have credit cards, and the numbers are still increasing rapidly. It is important to remember however, that cre

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

Examples of combination products may in

dit cards can have important consequences on your credit report however, so some caution is advisable when using them.

You

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

r credit report is extremely important for a wide range of purposes. These days they are not only used by lenders when deci

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

ing whether or not to lend to you, but also if you apply to rent a flat, apply for insurance or in some cases, even when yo

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

Combination pro

u apply for a job. So you should take care not to damage your credit report through credit card use.

For most people, usin

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

g credit cards wisely and responsibly will not damage their credit report and in some cases, can show lenders that you are

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

ccustomed to credit and can meet your obligations and so help you to build up a positive credit history. However, one of 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 important items on your credit report will be the amount of credit to which you have access to. If you have thousands of

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

pounds of unused credit open to you, it may cause some lenders to be cautious, even though you haven’t used the credit. Thi

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

can be damaging if you are applying for something important like a mortgage and the lender raises concerns on this ground.

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

Following aspects would a

From the lender’s point of view, if you have a lot of credit cards in your wallet, even if you haven’t used them, they wi

dd to the challenges in developing combination products:

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

ll see that you have the option at any time to spend all that money and may be afraid that you will do so. Therefore, if yo

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

u do have a lot of credit cards in your wallet, that you decide you do not need, or if you have been switching balances fro

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

one credit card to the next without closing each account as you go, you may want to consider closing some of these account

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

s so that lenders can rest a little easier knowing that you can’t go out on a massive shopping spree tomorrow and bankrupt

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

Professional from academic institutions, pharmaceutical industries, health care indust

yourself.

Another danger of credit cards is that it can be easy to miss payments. Because they are not fixed monthly payme

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

ts every month, but constantly vary, it can happen that you miss or are late on the odd payment. This will look very bad on

.

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

a credit report as lenders will lose confidence in your ability or willingness to keep up to date with repayments. Therefo

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

Companies that provide selfless information through particip

re, you should be careful also about this aspect of credit cards if you wish to avoid unwanted damage to your credit report

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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