Advice You - Finance

Unfortunately, the options to get a new credit card are severely limited for people with less-t

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

han-desirable credit histories. The restrictions are so stern, in fact, that many consumers wit

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

Examples of combination products may in

h bad credit are unable to buy simple consumer goods, or are slapped with very high interest ra

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

tes.

There is good news, however, and it comes in the form of ‘no bank account’ credit cards.

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

These cards allow people with low credit ratings and no bank accounts to enjoy the purchasing p

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

Combination pro

ower of a credit card.

‘No bank account’ credit cards are usually pre-funded, meaning the card

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

holder ‘reloads’ it with money in order to use it. This arrangement is perfect for people who w

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

ant to control their spending and limit themselves only to what they can afford. Most individua

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

ls recovering from bankruptcy use this type of card. It not only reestablishes credit history a

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

nd demonstrates financial responsibility to creditors – it also affords users the convenience o

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

f a fully-functional credit card while living within their income.

If you are thinking about g

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

Following aspects would a

etting a ‘no bank account’ credit card, do not hurry – you should first shop around for the bes

dd to the challenges in developing combination products:

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

t deals.

The best ‘no bank account’ cards offer the same benefits as a regular credit card, su

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

ch as rewards programs and online access and management. The card should be accepted in million

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

s of locations around the world, and have ATM access for easy cash withdrawals, and other such

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

convenient features.

You should also find a credit card provider that does not ask for annual

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

Professional from academic institutions, pharmaceutical industries, health care indust

fees or transaction fees, and offers free customer support either via the telephone or online.

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

Some companies even go so far as to provide ‘wireless alerts’ to ‘no bank account’ credit cardh

.

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

olders – such a service will enable you to easily keep an eye on your account via text messages

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

Companies that provide selfless information through particip

(SMS). The added features will certainly help you budget your finances even more effectively.

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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Advice You - No Bank Account Credit Cards

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