Advice You - Finance

If you have never been in debt before or you are young, then getting a credit card can be hard. Strangely, lenders trust people who have been in debt and 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

aid it back more than people who have never had any debt. Although it may seem hard to get a card if you have not gotten one before, there are some ways to

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

Examples of combination products may in

get a credit card. If you are unsure about how to go about getting your first credit card, then this article might be able to help you.

Check your credit

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

eport

The first thing you need to do is to check a copy of your credit report. This will tell you if you have any problems with credit, and if there are a

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

y errors you can clear them up. If your credit rating is good then you should have no problem getting a card.

Apply to your bank

Once you have establishe

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

Combination pro

that your credit rating is good, then you should apply for your card. The first place you should start is with your bank. If you have a full-time job and

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

ave had no credit problems, then you bank is likely to give you a card with a low limit of probably a few hundred pounds. Now that you have a card you can

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

se it and if you pay your bills on time then slowly your credit limit will get better.

Store cards

If your bank will not give you a credit card, you can

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

mprove your credit by getting a store card. Although these cards have very high rates, if you spend a little on them and pay it back then you credit will q

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

ickly improve.

Don’t over apply

One thing that you should avoid is applying for lots of cards at once. If you do this then the credit process will be sta

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

ted for each and your credit rating will be further weakened. Applying for lots of cards makes you look financially unstable and will harm your chances of

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

Following aspects would a

getting one good card.

Beware of ‘unbeatable’ offers

If you are applying for a card you might feel the best option is to take one of the ‘amazing’ deals

dd to the challenges in developing combination products:

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

ou get in the post every day. These deals offer you really low interest rates and tell you that you have been pre-approved already. All they mean by this i

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

that you are pre-approved to apply, but you can still be turned down and even if you aren’t you are unlikely to get the rates they quote. If you are going

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

to pay your balance each month then the interest rates at first do not matter. Apply to a company you know and trust and that will be fair when you want to

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

renegotiate terms.

Secured cards

One of the best ways to get your first card is to get a secured credit card. This involves you paying a money deposit th

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

Professional from academic institutions, pharmaceutical industries, health care indust

t is frozen whilst you have the card. This reduces the risk for the lender, and if you show that you can pay your bills then you can get upgraded to an uns

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

cured card quickly.

Never pay fees

One thing you should avoid when getting your first card is to actually pay for it. Although secured cards require a de

.

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

osit, there are other companies that charge myriad fees before you get hold of the card. If this is the case you may find just the fees eat half of your ba

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

Companies that provide selfless information through particip

ance up, which almost defeats the point of getting the card. Even if you are getting a card for the first time you should not have to pay for the privilege

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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