Advice You - Finance

There are many rebate credit cards available that offer rebate options that sound too good to be true. With so many credit card rebates to consider it can be mind-boggling trying to

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

figure out which one to pick, if any. Understanding what each rebate credit card has to offer, APR, annual fee and overall terms and conditions will make things a lot clearer and

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

Examples of combination products may in

will help you tremendously in your attempt at finding the right card for you.

Compare Rebate Offers Carefully

The rebate programs offered by various rebate credit card companies

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

ary widely. Rebates, in the form of cash back, rewards you with anywhere from 0.25% up to 1%, a full 1% and a full 2%. The percentage you get back usually depends on the amount you

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

purchase. For example, one card may give you 0.5% when you spend up to $2000, whereas you earn 2% when you spend $6000 or more. The thing to look out for when selecting a rebate cre

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

Combination pro

it card is terms for those offering only "up to 1%," as compared to credit card rebates that offer "a full 1%", for example.

Consider Your Spending Habits

Rebates are credited to

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

you based on your spending. The more you buy, the more you get back in cash. However, depending on the card, this may not always apply to every purchase you make. In other words, on

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

card may allow you to use your card at any establishment, whereas another card may require you to make purchases at a particular store. Be sure to pick a rebate credit card that yo

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

u can use at your favorite stores.

Try To Find A Card With A Low APR and No Annual Fee

Rebate credit cards tend to have higher APRs and annual fees as compared to other cards. Car

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

s with high interest rates and annual fees can quickly zap you of your entire rebate. Another thing to keep in mind, if you carry a balance on your credit card from month to month,

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

then the cash back won't really amount to much. Using a card under these circumstances defeats the purpose of getting that type of card in the first place. Rebates are best for thos

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

Following aspects would a

e who spend a lot on their card but pay off their balances.

Unless you spend huge amounts of money on your card and the rebate offers are high, chances are you won't get much in re

dd to the challenges in developing combination products:

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

urn - net return. Scout around for cards that have very low APRs and no annual fees. That way, all the fun of racking up those great rebates won't be spoiled.

Steer Clear Of Shady

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

Terms And Conditions

You've heard this stated many a time, "read the fine print." The "fine print" serves a good purpose on behalf of the rebate credit cards company. Although usua

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

ly very text-heavy, I don't think the companies use fine print merely to save space. Often times, small type is placed where it is not very noticeable. It often contains specifics t

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

hat are important for you to know but not necessarily what a company wants you to fully understand.

Pay attention to those teeny-tiny footnotes. They sometimes point at exclusions

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

Professional from academic institutions, pharmaceutical industries, health care indust

r restrictions to what the company is claiming to offer. For example, a rebate offer of "2% on all purchases" might actually mean 2% on all purchases made from a list of affiliated

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

retailers. These retailers may not have the products you are interested in or the products may have a high mark-up.

Also, look for wording that may be a little deceptive. A rebate

.

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

redit card may claim to give you "5% APR" but reading the fine print it you'll interpret is as really meaning 5% on balance transfers only or 5% for limited time.

Once you know exa

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

Companies that provide selfless information through particip

ctly what to look for, you will find it easy to select the best rebate credit cards. Comparison shop on the internet and take advantage of all that credit card rebates have to offer

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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