Advice You - Finance

In today’s credit card world, companies are offering a growing number of reward programs. The reason? They are competing for more customers. This is great news for you, th

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

e consumer. You now have more ways to benefit from a rewards credit card than ever before.

Consider your Options

With so many choices, finding the right rewards c

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

Examples of combination products may in

edit card can feel overwhelming. As you sort through your options, consider which credit card can best benefit you. If you regularly travel, look into cards offering gas r

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

bates or hotel stays as rewards. If you live near an airport where a particular airline has its hub (for example, one of Continental’s hubs is in Houston; Northwest has 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

hub in Minneapolis), you may want a card that includes miles for that airline. If you get a thrill out of receiving money for using your card, look into a cash back card.

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

Combination pro

To ensure that you are getting the best deal for your lifestyle, read through the fine print. Some credit cards include an annual fee for the reward program. Others have

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

a high interest rate attached to the card. If you use the credit card infrequently or regularly carry a balance, the benefits of these cards may not outweigh the costs.

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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

>Reap the Rewards

Once you have chosen which rewards credit card is best for you, you can look for ways to make it advantageous. Think about buying groceries with you

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

credit card; then pay off the balance each month. If you shop online frequently, start charging your purchases on the rewards credit card. By using your card during the m

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

nth and then paying off the balance, you will be able to accumulate points and rewards at a fast rate.

Some rewards credit cards come with an initial 0% APR on purchases

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

nd balance transfers. This allows you to pay off a balance, interest-free, while earning valuable points. This is a good way to get rid of overhanging debts and still enjo

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

Following aspects would a

y the rewards.

Discover Miles Card

One great option for the frequent traveler is the Miles Card by Discover. With this credit card, you’ll earn one mile for each

dd to the challenges in developing combination products:

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

ollar spent on general purchases. For every dollar that you spend on travel and restaurants, you’ll receive double miles. In addition, you’ll earn 1,000 bonus miles every

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

onth that you make a purchase for the first twelve months. This can earn you up to 12,000 miles – an excellent way to start! Redeem your miles for tickets on a variety of

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

irlines.

Another benefit from the Miles Card by Discover is the 0% introductory rate on purchases and balance transfers for the first year. There is no annual fee, and yo

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

’ll receive a regular low interest rate if you qualify.

Chase Flexible Rewards Platinum Visa Card

With the Chase Flexible Rewards Platinum Visa Card, you’ll enjoy

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

Professional from academic institutions, pharmaceutical industries, health care indust

a reward program with plenty of variety. Start by earning one point for every dollar spent on general purchases. You can use the points toward airline tickets, car rental

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

, hotel stays, and more. There is no annual fee. You’ll also receive a 0% introductory rate on purchases and balance transfers for the first six months.

The options are o

.

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

t there. Now it’s up to you to take advantage of the many offers available. With a little research and planning, you can make the most out of your rewards credit card.

Co

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

Companies that provide selfless information through particip

yright Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to http://www.credit-card-surplus.com

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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