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Have you ever thought how much a credit card costs to you? You can say ‘Yes’. Also you can say that you are

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

aware of all the hidden costs and charges. In fact there are many hidden fees and charges that often go unno

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

Examples of combination products may in

iced by the credit card user.

If you are not serious about these hidden costs then at the end of the year y

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

u could end up paying thousands of dollars without even realizing it. Ultimately you can easily found out 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

at your yearly budget is destroyed by this hidden cost.

Here are some of the descriptions of the hidden cos

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

Combination pro

s which you can avoid:

The very first factor is the Grace period. It is the extra time provided by the cred

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 card companies in which you can pay your bill past the due date without accruing additional interest of fe

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

es. Most of the credit card companies have reduced this grace period these days and they are having the plan

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

ing of making it very much difficult for the user to pay their bill within this grace period. Some of the cr

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

dit card companies have eliminated this concept of grace period. So if you anything today it will start accr

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

ing interest immediately. Now it is you who can decide to choose another credit card company which is provid

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

Following aspects would a

ing more grace period than your current one.

The other factor which is generally ignored by general user is

dd to the challenges in developing combination products:

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

the Late Fee. This is the main area of income for some of the credit card companies. You should know what th

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

late fees are for your credit card and under what circumstances you can be charged, otherwise you can found

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

yourself in a big trap of fine.

Try to pay your bills as soon as you receive the statement, otherwise the

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

ate fee will be implemented on you. If you are submitting the late fees then it can also diminish your credi

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

Professional from academic institutions, pharmaceutical industries, health care indust

report. Even the credit card company can increase the interest rates if you miss the payment of the bills b

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

y the date.

So overall you are the sole person responsible for the hidden cost on your credit card. If you

.

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

re paying the bills on the due date then you need not to worry at all. By making your payments on time, you

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

Companies that provide selfless information through particip

ill save hundreds or thousands more dollars each year in interest and other fees. Have a happy credit life!!

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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