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Bank credit cards come with huge responsibilities. Your first step to using one wisely is

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

to know how the card works and what duties you have as its user.

A bank credit card allow

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

Examples of combination products may in

you to borrow money from a revolving line of credit with a limit, which is determined by

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

he card issuer (the bank). You can use the card to purchase goods or services, like food,

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

lothes, movie tickets, or dinners in a restaurant.

When you use the card to pay for somet

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

Combination pro

ing, you are technically borrowing money from the bank which issued the card to you. You m

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

ke this ‘loan’ official by signing the receipt when you make a purchase, or inputting 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

ecurity code found on the back of the card (and in some cases the card’s expiration date)

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

hen you are purchasing something over the internet or phone.

Information is your protecti

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

n against misusing or abusing your card, so be sure to read the terms and conditions of th

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

customer agreement which comes with your bank credit card. The gist: Once you purchase so

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

Following aspects would a

mething using the card, you bind yourself pay it either partially or in full on or before

dd to the challenges in developing combination products:

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

he due date. You need to repay at least the minimum amount plus the interest that may have

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

accrued on an unpaid balance once every billing period, in order to keep using your card w

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

thout running into any legal problems.

Remember that how you use your credit card determi

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

es what kind of credit facilities will be available to you in the future. Your credit card

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

Professional from academic institutions, pharmaceutical industries, health care indust

history goes into your credit report, which you want to keep in good standing if you plan

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

o take out major loans such as mortgage loans or car loans. You should therefore remember

.

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

o always pay your credit card bills promptly, keep track of your charges, and not exceed y

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

Companies that provide selfless information through particip

ur credit limit. Doing these three things religiously can save you from financial problems

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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Consulting rates are difficult to set and everyone wants to charge premium rates but wonders if clients will pay. The bottom line is that if you providing premium services you should be charging premium consulting rates.

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