Advice You - Finance

Credit cards charge annual interest percentage rates (or APRs) on credit balances carried

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

forward, and also on cash withdrawals. Transferring a balance from one credit card to an

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

Examples of combination products may in

other is also subject to APRs. The two kinds of APRs applicable to credit card users are

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

variable and fixed. The variable kind means that the APR is subject to fluctuation accord

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

ng to factors that have nothing to do with your balance, withdrawals and credit rating. I

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

Combination pro

n other words, these factors are beyond your control and may be favorable or unfavorable

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

in any given period of time.

Credit cards that charge low fixed interest on credit balan

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

es and cash withdrawals are far more manageable options for some customers. They may be t

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

he best bet when financial planning and periodic reviews of your balance statements is no

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

t your strong point, if you prefer a high degree of predictability in your credit-card-re

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

ated financial status, or you have a consistent history of carrying forward balances from

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

Following aspects would a

one month to the next.

Especially in the last instance, a fixed APR makes a lot of sens

dd to the challenges in developing combination products:

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

e. One of the most common pitfalls of a variable APR is that users are often not aware of

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

when and by how much the variations in interest take place. No matters how high the prov

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

ding bank’s level of transparency is, it is simply not possible to keep track of these fl

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

uctuations for long periods of time. The problem is that even minute hikes in APR can acc

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

Professional from academic institutions, pharmaceutical industries, health care indust

rue to significant amounts of interest debt towards the end of the year.

While a fixed A

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

R on low interest credit cards definitely makes for increased oversight, it is not entire

.

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

ly free of fluctuations, either. In this case, however, the providing bank is obliged to

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

Companies that provide selfless information through particip

keep users current on such changes in the interest rate before they are actually enforced

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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