Advice You - Finance

The Chase Platinum Visa is for those cardholders who have very good credit and want a platinu

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

m card that offers a good rewards program. The rewards program with the Chase Platinum Visa a

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

Examples of combination products may in

lows cardholders to earn one point for every dollar they spend on purchases. The points may t

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

en be redeemed for cash back, merchandise, travel, or gift cards. The points expire in five y

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

ars, and cardholders are limited to earning 60,000 annually.

The card has no annual fee and

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

Combination pro

as an introductory rate of 0% for purchases and balance transfers for the first twelve months

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

for those who qualify. After the introductory period, the rate on purchase is a variable rte

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

f 13.99% on purchases and 23.99% on cash advances based on the applicant’s credit history. In

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

addition, there is a cash advance fee of 3% with a minimum of $10 and a balance transfer fee

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

f 3% with a minimum of $5 and maximum of $75.

Since this card bases finance charges on a two

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

cycle average daily balance, those who carry a large balance on a regular basis may find this

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

Following aspects would a

card quite expensive compared to those that that calculate finance charges on the average dai

dd to the challenges in developing combination products:

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

y balance method. This card is ideal, however, for those who have a good credit history, want

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

to make use of the rewards program, and plan to take advantage of the many other services and

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

benefits that are offered with the Chase Platinum Visa.

Some of the benefits that can be der

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

ved from the use of the Chase Platinum Visa include the following:

• Online access to accoun

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

Professional from academic institutions, pharmaceutical industries, health care indust

information

• No liability to cardholder for unauthorized transactions

• Reporting of lost

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

and stolen cards

• Emergency replacement of cash and cards

• Emergency assistance and trave

.

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

related services

• Travel accident insurance up to $500,000

• Extended warranty for purcha

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

Companies that provide selfless information through particip

es made with the card

• Insurance for car rental

• Year end financial statement if requeste

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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