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Advice You - When Is Having Credit Bad?
When we're young and don't any have credit, it becomes one of the first things we try to establi
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
sh as adults.
We get excited when that first credit card comes in the mail, and we're able to g
We get excited when that first credit card comes in the mail, and we're able to g
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
buy that elusive and expensive trinket we've been wanting for so long. It might be a stereo, ce
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
l phone, TV, or even jewelry.
Not long after we've started to establish credit and pay our bill
Not long after we've started to establish credit and pay our bill
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
on time, our credit report starts to draw the attention of credit card companies wanting us to
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
arry their card. Soon, we start getting credit solicitations in the mail pretty regularly. Now w
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
start to feel powerful and important - seemingly every credit card company wants us to have 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
r card to use whenever we get the spending urge. After a while, we have a sizable collection of
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
redit cards with brand names like Visa, MasterCard, Discover, American Express, and maybe even s
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
me cards that are issued by our favorite retailers like Sears, Home Depot, Circuit City and othe
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
s.
As consumers, it seems natural to use someone else's money to purchase those things that we
As consumers, it seems natural to use someone else's money to purchase those things that we
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
want and/or need, and then want to pay it back later.
Another issue is that you may want to acc
Another issue is that you may want to acc
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
pt any credit offered to you in your quest to establish a lengthy credit profile - even though y
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
u don't need to use it right away.
Now comes the tough part. If you have too much available cre
Now comes the tough part. If you have too much available cre
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
it, you may be hurting your credit score, causing you to be offered higher interest rates for se
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
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
ured credit loans such as automobile and home loans. The theory behind this is that you may use
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
ll of your open and unspent credit lines, and then have monthly payment obligations that are too
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
high to keep up, and then default on some or all of the due payments. This makes you a higher cr
.
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
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
dit risk in the eyes of the credit companies.
The best advice is to use your credit wisely, and
The best advice is to use your credit wisely, and
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
not to have too much credit that you appear to be an adverse credit risk to the credit companies
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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