Advice You - Finance

If you need to establish credit, or rebuild your damaged credit, a secured credit card may

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

be exactly what you need. Even if your credit history is rough, a secured card will not onl

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

Examples of combination products may in

y guarantee approval, but will go along way in establishing good positive credit and habits

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

.

Secured cards are typically guaranteed to get approved. That's because you are required

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

to deposit money into a savings account with the card issuer. This deposit will be the same

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

Combination pro

as your credit limit, so if you want a $1000 credit limit you would deposit $1000. This pr

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

etty much guarantees that the creditor will not lose their money and that guarantee will ge

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

t you approved.

The credit limit does not have to be high, which is a good thing. To impro

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

ve your credit, you need to establish good history. Don't go out and max out your card righ

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 away! Don't wait until the last day of the month to make a payment. And don't think of th

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

s card as anything more than a tool.

If you treat the new card like a good credit "tool" y

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

Following aspects would a

ou will set yourself up to reap the rewards very soon. Here are a few things to do with you

dd to the challenges in developing combination products:

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

r card:

Right away, pay off any automatic charges to the card, including the enrollment fe

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

e (if any), the annual fee (if any) and any other fees you agreed to pay up front. These wi

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

ll get added to your first statement.

Next, once those fees are paid, use the card sparing

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

ly. Don't max out the limit. Rather only use about 10-20% of the card's limit. (Again, if y

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

Professional from academic institutions, pharmaceutical industries, health care indust

ou have a $1000 limit, charge between $100-200 a month.) It is recommended you only charge

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

items you would have bought anyway... gas, groceries, etc. When your bill comes in, pay it

.

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

off completely again so you don't pay any interest.

By following these simple directions,

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

Companies that provide selfless information through particip

you will build positive credit and begin to turn the bad credit around. Best of luck to you

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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