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Almost all credit card holders are aspiring for a higher credit card limit. This is because a higher credit card limit will

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

enable them to make otherwise unaffordable purchases. Credit card holders need to remember that to get a higher credit car

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

Examples of combination products may in

d limit; they must abide by the terms and conditions of the credit card company or bank.

Below are other ways to get a hig

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

her credit card limit.

• The most important thing to do to get a higher credit limit is to prove your creditworthiness. Th

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

is is the number one thing banks and companies look for in giving a higher credit limit.

• Attract positive attention from

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

Combination pro

the credit card company or bank by paying finance purchases once in a while. However, it is not advisable to make this met

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

hod a habit and should only be done as a last resort to increase your chances of getting a higher credit limit.

• Proving

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

credit card companies and banks that you are good borrower would definitely convince them to give you a higher credit limit

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

. But be careful as such strategy could only serve the benefit of the companies and banks. A higher credit card limit means

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

greater purchasing power but it also increases the potential of the credit card companies and banks to earn through you th

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

ough increased interest charges and other fees.

• Always spend within your credit card limit because doing so means that y

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

Following aspects would a

ou are capable of controlling your expenses.

• Use your credit card regularly. Don’t keep your cards for emergency use onl

dd to the challenges in developing combination products:

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

y. If you sue your credit card sparingly banks and credit card companies will be unable to understand your spending and pay

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

back behavior and would be reluctant to give you a higher credit card limit.

• Never make minimum payments. Instead, try

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

to pay for the entire outstanding amount. This would give you better chances of getting a higher credit card limit.

• Avoi

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

d late payments as much as possible. Not only do you increase your interest, you also have to pay an additional fine for no

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

Professional from academic institutions, pharmaceutical industries, health care indust

t clearing bills on time. This would dim your chances in getting a higher credit card limit.

• The best and simplest strat

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

egy to get higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep

.

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 record of your transactions and payment pattern so always pay your dues on time and never make late payments. Your perfor

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

Companies that provide selfless information through particip

mance in the records of banks and credit card companies will determine whether you’ll get a higher credit card limit or not

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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