Advice You - Finance

With overwhelming use of credit cards, there is a need to keep check on the increasing credit card fraud that is dramatically rising on the internet. Internet users know that it is

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

safe to enter their credit card number on a secure online form rather than giving it in a restaurant to pay off. Research shows that there is increasing number of fraudulent cases

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

Examples of combination products may in

where purchases are made by mobile phones on account of credit cards of other persons that are higher than credit card fraud on the internet.

As a rule of thumb, you need to use so

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

me common sense and there are some tips that shall help you in avoiding credit card scams:

1. Always keep an eye whenever you use your credit card and get it back quickly i

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

f you have given it to some other person and try not to let your card out of your sight.

2. You need to be careful while you give your credit card to someone else and never

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

Combination pro

give your account number over the phone unless you are sure that the company is a reputed one. Also it is not safe to give the credit card number over phone to any company who asks

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 for the same seeking excuses such as “computer problem”.

3. Don’t give any response to emails asking you to provide your credit card information and emails that ask yo

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

u to go to a website and verify your personal and credit card information.

4. Don’t provide your credit card information over insecure websites.

5. You should sig

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

n your credit card as soon as you receive them and shred all the credit card applications when you receive.

6. You should not write your Pin number on the credit card or an

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

ywhere near your credit card.

7. Don’t leave your credit cards and receipts lying all around.

8. You should shield your credit card number so that others who are

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

around you could not copy or capture it on a mobile phone or camera.

9. Always keep the list of your account numbers and expiry dates and phone numbers along with addresses

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

Following aspects would a

of each bank issuing you a credit card at safe places. You need to update this list each time you get one new credit card.

10. Try to carry only those credit cards that yo

dd to the challenges in developing combination products:

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

u require and don’t carry extra credit cards that you need rarely.

11. You should promptly open your credit card bills and make sure that there is no bogus charge involved.

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

You should also treat your credit card bill in the same way as you check your accounts and reconcile it monthly. Save your receipts so that you can compare them with monthly bills

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

.

12. In case, you find any charges for which you don’t have a receipt or one you don’t recognize you need to report these charges to the credit card issuer.

13. Y

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

ou should destroy and void incorrect receipts and shred anything with your credit card number written upon it.

14. Don’t sign a blank credit card receipt and you can carefu

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

Professional from academic institutions, pharmaceutical industries, health care indust

lly draw a line through the blank portions of the receipts where there is chance to add any fraudulent charges.

15. Even though carbon paper is not much in use but if there

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

is any carbon used in a credit card transaction you should destroy it immediately.

16. Don’t write your credit card account number in a public place for example a postcard

.

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

or from a place that it is evident to others.

17. Its good if you carry your credit cards separately from your wallet.

18. Never lend your credit card to others and

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

Companies that provide selfless information through particip

if you move from your existing residence, do notify your card issuer about the change in address.

Visit our recommended website http://www.credit-card-debt-consolidation-guide.inf

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 - Avoid Credit Card Frauds

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