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If you use a credit card frequently, you may wonder if there’s more that card can do for you. And credit

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

card companies have answered that question: yes, there is something that you can receive in return for bei

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

Examples of combination products may in

g a great customer.

What do you do?

When you’re using your credit card you may want to ask yourself what

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

it is that you tend to purchase or need to purchase. There are many rewards cards that are tailored to t

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

ese individual tastes. For example, those that enjoy traveling will like a rewards card that offers them

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

Combination pro

frequent flyer miles for purchases that they have made. Or you might want to get a rewards credit card th

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

t allows you to accumulate credits for gas.

And of course, cash back credit cards seem to work best for c

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

onsumers because you automatically get a percentage of each purchase going toward rewards or into an accou

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

t from which you can redeem the amount to your monthly bill or receive a check in the mail.

How often do

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

you use a credit card?

One of the biggest mistakes that you can make when choosing a rewards credit card

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

s to decide to make purchases that you wouldn’t normally make unless there was a reward involved. What yo

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

Following aspects would a

really want to do is base your decision on what you already do with your credit. You don’t want to sign

dd to the challenges in developing combination products:

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

up for a credit card because of the rewards and then drive yourself into debt to get those rewards—that de

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

eats the purpose.

What are the rules?

If you’re looking for a rewards credit card, realize that every co

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

mpany is different in the way that they handle their reward redemption. While the advertisements might ma

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

e it sound simple, there can be restrictions that might make it too difficult of a process.

For example,

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

Professional from academic institutions, pharmaceutical industries, health care indust

frequent flyer miles might only be able to be redeemed with certain airlines on certain dates within a cer

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

ain time frame. If these kinds of rules will hinder your reward redemption, then it’s best to find someth

.

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

ing that it more flexible.

A rewards credit card can certainly pay you back for using it, but make sure y

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

Companies that provide selfless information through particip

u’re getting what you want and not just another hassle. It’s not a reward if it makes you do all the work

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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