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Advice You - Tips for Choosing Better Low APR Credit Cards
With purchases via credit cards becoming as routine as cash payments, having a credit card has become an integral component i
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
n today’s economy. But how do you figure out what makes one credit card better than another? Firstly, remember that all credi
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
cards are not created equal. What this implies is that you need to read the fine print and shop around before you make your
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ecision.
Annual Percentage Rate: One very important aspect of credit card desirability is the rate of interest or the Annual
Annual Percentage Rate: One very important aspect of credit card desirability is the rate of interest or the Annual
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
Percentage Rate (APR) that will be charged. Basically, APR is the rate at which interest is accrued on the unpaid balance of
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
our card.
For example, if the APR is 20.0%, and you carry a $1000 balance for a year, you'll end up paying $200 (20 percent
For example, if the APR is 20.0%, and you carry a $1000 balance for a year, you'll end up paying $200 (20 percent
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
f $1000) of extra debt annually. This should make it pretty obvious why low APR's are preferable.
You can easily compare APR
You can easily compare APR
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
rates on the internet by logging on to web sites that specialize in comparing these cards. You can view a list of all the maj
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
r credit cards (Visa, MasterCard, Amex, and Discover), and do an online comparison.
However, in order to derive maximum adva
However, in order to derive maximum adva
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
tage from your credit card, you also need to pay attention to issues such as the fees and the grace period.
Fees: Usually, a
Fees: Usually, a
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
flat fee is charged every year on your card. The amount differs from company to company, and card to card. So be sure to ask
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
nd/or check.
Grace Period: The amount of time a credit card company gives you to pay your bill before charging interest is r
Grace Period: The amount of time a credit card company gives you to pay your bill before charging interest is r
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
ferred to as the grace period. This period too, can differ from card to card, so remember to ensure that your card gives you
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
nough time to pay your bill.
So when you compare the APR’s of various credit cards, also remember to compare the fee and the
So when you compare the APR’s of various credit cards, also remember to compare the fee and the
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
grace period. A low flat fee combined with a reasonable grace period and low APR should ensure that you are getting a good va
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
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
ue credit card.
These three steps cover the basics of shopping for a credit card. Remember, however, to read the fine print.
These three steps cover the basics of shopping for a credit card. Remember, however, to read the fine print.
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
Your card may spring surprises if you don’t. Statements such as “Customer will pay x amount OR y amount, whichever is greater
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
" are the culprits when it comes to getting nasty shocks. So don’t skimp on your research!
In summation, to get a good deal
In summation, to get a good deal
.
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
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
n a credit card, you need to compare APR, fees, grace period, and read the fine print. This will cover the basic criteria fo
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
any credit card you purchase. Keep these tips in mind, and compare low APR credit cards to find the one that’s right for 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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