Advice You - Finance

If you have no credit history or are trying to repair your credit standing, a bank-secured credit c

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

ard is your best option. By ‘securing’ your credit with your own savings account, you can have a fu

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

Examples of combination products may in

lly functional credit card and be sure that you have the ability to pay whatever balances you accum

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

ulate. Read on to find out more.

This kind of card looks and works much like a regular credit card

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

, but uses your bank deposit as a guarantee or collateral. Should you be unable to pay the amount d

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

Combination pro

ue on time, for example, the bank can apply your deposit to your outstanding balance.

A bank secur

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

ed credit card is perfect for consumers who do not qualify for regular credit cards either because

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

they have no credit history yet, or because they have gone bankrupt and therefore have undesirable

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

credit ratings. Having a bank secured credit card shows the bank that you are financially capable

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

of paying monthly dues. If you use the card responsibly, the bank may eventually provide you with a

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

n unsecured credit line.

Because you will only get to charge an amount that corresponds to your de

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

Following aspects would a

posit, you can be sure that you won’t overspend. If you find yourself unable to pay the balance, f

dd to the challenges in developing combination products:

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

or example, the bank simply deducts the payment from your savings account. With a bank-secured cred

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

it card, there’s no risk of incurring debts.

But like all other credit cards, the disadvantages of

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

a bank-secured credit card crop up when you use it irresponsibly. If you do not pay on time, for

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

example, you will be faced with high interest fees and late payment charges.

Most bank-secured cre

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

Professional from academic institutions, pharmaceutical industries, health care indust

dit cards only allow limited transaction frequencies, which means you can only use it a specified n

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

umber of times. The banks use this measure to protect against overdrafts. It is also quite difficul

.

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 to close a bank-secured credit card – you will not get your deposit immediately. The bank will ke

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

Companies that provide selfless information through particip

ep your money for a few more billing cycles in order to make sure that no sketchy charges were made

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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