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When was the last time you heard about a new and improved credit card? Probably the last time you watched television. When was the last time you received an offer to apply for a new credit card? Most likely the last time you checked the mail. These days, the competitivene

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

ss of card companies works in favor of consumers, who benefit from the ever-increasing incentive plans offered.

Considering that the average family holds seven credit cards, and the credit card debt held by Americans reaches $800 billion, there are things to consider bef

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

Examples of combination products may in

ore sending off an application for yet another credit card. Among them is this key: If you’re going to use a credit card, use it wisely. Second, choose the card that is going to work for you (low interest rates, incentives, and services), rather than allowing the credit c

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

rd company to reap all of the benefits (annual fees, late fees, and high interest charges) from you.

Now that you have committed that one to memory, here are more useful tips:

Tip #1: Put yourself in the driver’s seat

When it comes to choosing credit cards, it

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

pays to be proactive rather than reactive. Credit card offers through the mail might be a good place to start shopping, but they are certainly not your only options. According to credit expert Gerri Detweiler, author of The Ultimate Credit Handbook, consumers should not r

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

Combination pro

ely strictly on mail solicitations to offer the best choice in credit cards.

Not convinced? You may be surprised to know that those preapproved credit card offers that you get in the mail are actually advertisements. Your name was retrieved from a mailing list and the le

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

ter sent to you is a direct mail marketing tool. Yes, even the special low introductory rate or 0% balance transfer offers—they’re a marketing strategy used to get you as a customer.

So where to start looking? Information on credit card plans can be found on the Internet

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

, personal finance magazines, and newspapers. If comparing several different cards, use an unbiased resource. A great place to start is CardRatings.com, the most comprehensive free source for credit card rankings. With reviews from actual card holders, CardRatings.com str

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

ives to present an unbiased, yet accurate picture of the best and worst cards out there. Card holders rank cards based on various criteria including fees, rewards, and customer service.

Tip #2: Develop a good understanding of terms, fees and APRs

It’s so importan

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

to really understand the terms of a credit card. To do this, read the disclosure chart included with every credit card solicitation—usually toward the back or on the reverse of the offer. It lists the purchase interest rate (APR), the length of the grace period, the annu

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

al fees, the minimum finance charge, the transaction fees, and late fees. Please consult our credit glossary if you need help understanding these and related credit terms. Also, the Federal Reserve Board has a thorough description of how to translate these terms.

Tip

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

Following aspects would a

#3: Develop an understanding of credit card features and how they relate to you

Do you prefer travel rewards or cash rebates? Do you prefer better rewards or lower rates? Before choosing a card, ask yourself a few questions to help determine which card is the better

dd to the challenges in developing combination products:

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

choice for you.

Which type of card will I qualify for? There are three main categories of cards: secured, regular and reward or rebate. Where you fall on the scale depends upon your credit history. If you’re in the process of trying to rebuild your credit, a secured car

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

d can help you achieve that. The other categories are differentiated by the types of services they afford. While reward cards generally have great perks, the higher interest rates that they normally charge can be costly if you do not pay your balance in full every month.

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

How do I intend to use the card? Will you carry a balance or pay your bill in full each month? This question carries the most weight in your decision: if you pay your bill in full, interest charges will rarely, if ever, be applied. Therefore, you can take advantage of t

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

ose cards that offer attractive rewards at the price of a higher interest rate.

If, however, you intend to carry a balance, pick the best card with the lowest interest rate that you can get. Since the rate will be applied each month, you want the very lowest rate you can

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

Professional from academic institutions, pharmaceutical industries, health care indust

get, regardless of the lack of incentives available. Please bear in mind that you must have a good credit rating/score in order to qualify for the lowest rates. As a result, we suggest that you know what you credit score is prior to applying for a new credit card (click

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

the link for info. on obtaining your credit score).

What features can benefit me the most? If you rarely travel, then travel rewards, such as air miles, won’t be very useful to you. There are a large variety of reward cards available: Cash back incentives; air miles or f

.

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

equent flyer miles; rebates towards future purchases on gasoline, gift certificates, and even cash rebates for a higher education savings plan. Be aware that some cards charge annual fees and some don’t. If you are looking at one that does, do some math to make sure that

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

Companies that provide selfless information through particip

the benefits outweigh the fee you will be charged each year.

Finally, visit the Card Reports section of our website to compare credit card offers and apply online. Use these tips to research your next credit card, and you will most likely find one that fits you to a tee

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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