Advice You - Finance

Every young student going off to college wants the liberty of having their own credit card. What a great privilege it is, and sometimes, it could even be a great g

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

ift idea for a student, too. If you are in the process of choosing your first student credit card, or helping that special student of yours get their own card, bef

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

Examples of combination products may in

re you start looking, some things should be considered - both about the young person, and about the types of cards available.

A Word About You

If you are a young

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

person looking to get your very first credit card, then listen for a moment to a couple of things. A credit card can be a blessing or a curse -- all depending on h

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

ow you use it - and on who is footing the bill. Regardless of what you do with that credit card, the world is watching, and if you overcharge it, make late payment

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

Combination pro

on it, or whatever, it will go toward your credit rating and affect it for years to come. When you get ready to buy that car, or those electronics, or clothes, it

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

can affect that, too. Learn the proper use of finances and how to best use a card. The Internet would be a good place to pick up on this information if you do not

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

already know it. Just by typing in the words "student credit card" you will find many Webs sites that can instruct you on how to best use it.

A Word About The Car

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

s

Here are some things to look for when you want to get that special student credit card.

· The APR

This is the amount of interest that will be added to your st

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

dent credit cards each month, and it will vary with each card. The best is 0% APR. Unless you have a good job and an excellent credit history already established,

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

t might be difficult to get this kind of card. You need to note just how long of a time this introductory rate applies to the particular college student credit car

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

Following aspects would a

d. For most, it is about a year, but with some it is only good for three months. After that time frame, there is a standard interest level.

· The Cash Back Reward

dd to the challenges in developing combination products:

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

Many credit cards will now give some sort of incentive to get their card. Usually, it is somewhere between a 1 and 5% return on a specific type of purchase. Ofte

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

there is one level of rebate given on groceries, medicines, and gas, and a different percentage on general purchases, and then another percentage given if you sho

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

p at certain stores. These student credit cards work out great for gas purchases, and other things. Some cards will give you air miles for your purchases, and that

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

could be a good way to save money for flying home during the summer, or holidays. The benefit, however, pretty much ends if your payments are late, or if the card

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

Professional from academic institutions, pharmaceutical industries, health care indust

s not paid in full each month. These cards normally charge a little higher percentage in interest, and the benefits may not outweigh the losses.

· The Annual Fee

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

Most cards do not carry an annual fee, but enough of them do to make a note of it here. This fee can vary anywhere between $15 and go up to $135 per year. Some co

.

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

lege student credit cards may waive this fee for the first year, but charge it later.

Student credit cards are a great idea in that they also can prevent you from

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

Companies that provide selfless information through particip

needing to have a lot of cash in the dorm. It gives you an added safety feature - and a good record of your purchases, too, so you can see where the money is going

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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