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It would have been unthinkable just a decade ago, but now it is commonplace in the UK to hear of zero percent credit cards. Brought about b

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

y fierce competition, both from UK and American lenders, and also by historically low interest rates, zero percent credit cards have become

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

Examples of combination products may in

extremely popular. Today, it is almost impossible to find a lender that does not offer some form of zero percent credit card. They simply h

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

ave to if they want to compete in the business as it is run today. However, before you start signing up for a zero percent credit card, you

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

should be aware that there are different types of zero percent card and you will need to be aware of what it is you want to use the card fo

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

Combination pro

r before you decide which type is right for you.

The first thing to consider is a cash advance. These are typically charged at higher than

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

normal interest rates and it is still extremely unusual to find a credit card that will give you a cash advance at zero percent. So if you

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

are looking for zero percent cash, then it is unlikely that a credit card is going to give it to you.

Zero percent purchases however, is s

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

mething you might have a better chance of getting. There are now a number of cards on the market place that offer customers zero percent on

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

new purchases. So if you would like to for example buy something large and expensive, and cannot get a good financing deal to fund the pur

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

hase, then perhaps buying it on a zero percent on purchases credit card would be a good way to go. You will be charged no interest at all,

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

Following aspects would a

nd will have the entire interest free period, usually of six to nine months to pay back the amount without incurring any interest charges.

dd to the challenges in developing combination products:

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

Probably the most common form of zero percent for a credit purchase is on balance transfers. So if you find yourself paying a lot of inter

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

st on existing credit card balances, then you could look into transferring this balance onto a new credit card that offers you zero percent

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

to do so. This has the potential of saving you hundreds of pounds in interest payments.

Finally, if you are one of those customers that a

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

e in the habit of paying off your credit card bill in full every month, then you will not need a zero percent card at all. This is because

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

Professional from academic institutions, pharmaceutical industries, health care indust

you already pay no interest. In this case you would be better of looking for a card that offers some cash back or other form of reward rath

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

r than a zero percent interest.

Now is probably the best time to take a closer look at an interest free credit card. More and more credit

.

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

card companies and banks are now starting to draw back from offering such large introductory 0 percent deals. More credit card companies ar

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

Companies that provide selfless information through particip

increasingly coming under pressure to reduce the amount of 0% credit card they offer due to the fact they do not make any profit from them

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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