Advice You - Finance

If you live in the Midwest and fill up your gas tank only at Marathon stations, the Marathon P

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

latinum MasterCard would be the card just for you. Designed for consumers with good credit sco

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

Examples of combination products may in

res, the Marathon Credit Card awards cardholders with a whopping 10% rebate on all purchases m

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

ade at Marathon. However, there is also a catch to this - the 10% rebate is only applicable fo

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

r the first 60 days from the time the credit card account is activated.

While 60 days may not

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

Combination pro

seem long, rebates are applied directly to the cardholder’s account, so savings are apparent

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

right from the get-go. After the 60 days is up, cardholders are still eligible for a nice 5% r

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

bate on purchases made at any Marathon location. Cardholders are also eligible for a 1% rebate

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

on all other purchases.

In terms of the interest charges, the Marathon Credit Card imposes a

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

n above average interest rate. However, as finance charges are calculated with the “Two Cycles

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

Average Daily Balance” method, the resulting interest charges will be higher as compared to o

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

Following aspects would a

ther credit card companies that utilize the more common “Average Daily Balance”.

This disadva

dd to the challenges in developing combination products:

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

ntage outweighs the attractiveness of the 10% rebate for the first 60 days of usage and also t

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

he 6 months interest-free introductory period. Cardholders who plan to carry their outstanding

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

balances more than a month will face a sudden hike in interest rate charges once the 6 month i

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

ntroductory period is over.

In short, in order to make the most out of this card, use it for

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

Professional from academic institutions, pharmaceutical industries, health care indust

the 10% savings on gasoline within n the first 60 days and continue on for the 5% savings unti

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

l the introductory period is over. Ensure that all your outstanding balances are paid for with

.

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

in the first 6 months, and pay off your credit card charges on time each month after that. Wit

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

Companies that provide selfless information through particip

h discipline on payments, you will then benefit from the 5% rebates given for Marathon charges

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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Employee surveys, if done right, are efficient and low cost methods to connect to your people, to ask them what they think, to show them that their opinions count, and to act as lightning rods for change. Did you know if you can measure it you can manage it better?

Have you sat back to analyze and take a real hard honest look at your marketing strategy lately? Have you considered why you are better than your competition? How are you better? Have you always been better? Is your competition better? Are you better at bundling your products or services? Are you better at selling and marketing?

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Advice You - The Lowdown on the Marathon Credit Card

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