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Advice You - Is Credit Card APR All That Counts?
Not all credit cards are born equal. Different cards have different offers, features, and charges, and choosing a card is not as simple as going for the o
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
ne with the lowest advertised rate. Various types of card are suitable for different types of use, and choosing the right card for you depends on how you
; 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
lan to use it as well as how low the rate is, or how attractive the introductory offer.
If you intend to use the card mainly as a convenient way of spend
If you intend to use the card mainly as a convenient way of spend
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ing and usually clear your balance every month, then the headline interest rate doesn't really matter to you, as you shouldn't be paying any interest at a
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
l. Instead, make sure the card you're planning to apply for has a long 'grace period' on interest charges, giving you chance to pay your statement before
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
any interest is applied. Interest free periods should be at least 30 days and are more usually in the 50-60 day range.
This kind of card user can also be
This kind of card user can also be
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
efit from a cashback or rewards scheme if the card is regularly used for purchases, and so long as you avoid carrying a balance over you can actually turn
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
a profit from your credit card account.
If, however, you use the card as a kind of short term borrowing, regularly paying off larger purchases over a fe
If, however, you use the card as a kind of short term borrowing, regularly paying off larger purchases over a fe
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
months, then a low interest rate is attractive. A cashback feature might seem attractive if you're making larger purchases, but it's rare that a card's c
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
ashback rate will be anything like high enough to compensate for a higher interest rate.
If you want to finance a single large purchase and repay it over
If you want to finance a single large purchase and repay it over
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
a year or so, then look for a card with an introductory 0% deal on purchases that lasts long enough to clear your balance before interest kicks in. Introd
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
uctory deals of up to 12 months are now common.
Many people use a credit card's balance transfer feature to fund longer term borrowing. If this applies t
Many people use a credit card's balance transfer feature to fund longer term borrowing. If this applies t
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
you, then you have a choice between a 0% introductory deal or a long-term low rate. If you can see yourself paying off your transfer in the near future,
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
then a 0% deal with a long introductory period is probably the best way to go. If, however, you'll be repaying your balance over a longer period, then a l
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
w balance transfer rate that is fixed for the life of the balance can be a good deal. Many such cards feature a rate much lower than other forms of unsecu
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
red finance such as personal loans, and you don't have to worry about finding a new 0% card when the introductory deal ends.
Most people use their card i
Most people use their card i
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
a mixture of ways, and this is where choosing a card is more complicated. A low balance transfer rate might mean having to pay a high rate on purchases,
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
or a card with a low standard rate might charge higher rates for cash withdrawals. Fortunately, there's a new kind of card that is becoming more widely av
.
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
ilable, which charges a simple flat rate for all use, whether balance transfers, purchases, or even cash withdrawals.
These cards often feature an attrac
These cards often feature an attrac
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
tively low rate, as there are no fancy introductory offers or reward schemes to pay for, and so they can make a very good option for the average card user
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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