Advice You - Finance

So what exactly should you look for when looking for a credit or charge card?

Shop around for the credit card offer that best fits your needs. Don't pay high annual fees if your FICO 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

score is good, as there are plenty of card issuers out there who want you as a customer and are willing to waive an annual fee. And if your credit score isn't so good, what are you doing ap

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

Examples of combination products may in

plying for another credit card anyway? Stop that!

Make sure you take the time to understand a plan's terms before you accept the card. You need to read the fine print. You need to know wha

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

you are expected to be responsible for, as well as what the introductory interest rates will do when you actually begin carrying a balance on the card. Beware of the universal default claus

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

e many consumers are finding on their credit card agreements; this clause could mean that a late charge on one account could hike the interest rate you'll pay on another credit card -- even

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

Combination pro

f you've never missed a single payment to that particular company in the past! Not all companies are doing this, but be aware of and stay away from those that do.

Hold on to all receipts -

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

- no matter how small or trivial -- to reconcile your card charges when your monthly bill arrives. Use a large 9" x 12" manilla envelope to hold all receipts, and if there is a curious entry

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

in your credit card statement, you'll have the proof to dispute the charge. If there are no inaccuracies, then shred those little receipts if they are not needed for taxes (check with your

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

tax accountant or tax preparer for exact legal advice on this matter).

Always make it a top priority to protect your credit cards and account numbers to prevent unauthorized use. Identity t

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

heft is on the rise, and you've just got to get careful who gets ahold of your credit. It's a good idea to draw a line through blank spaces and/or lines in sales contracts so other charges c

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

nnot be entered there. Shred copies. Keep credit cards in safe place (wallet or purse).

If you hand your debit card to an employee in a business, watch that you are not a victim of "skimmi

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

Following aspects would a

ng" -- the practice of running your card through twice, and them pocketing that second charge with cash out of the register. The skimmer extracts private encoded data directly off of your ca

dd to the challenges in developing combination products:

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

rd, everything needed to create a counterfeit card. A skimmer device can capture card data from multiple, perhaps a hundred, individual credit cards. After that information has been stolen

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

y a skimmer, it is very easily downloaded into a computer and e-mailed to any other location. Experts point out that worldwide credit card skimming losses exceed $1 billion a year. And that

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

figure is growing, so be careful you're victimized by such a scam.

These days, most stores now have the terminal facing the consumer so you don't actually ever let go of your credit card.

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

And that could be good advice: Don't actually ever let go of your credit card! Period!

It helps in an emergency to have a written record, tucked away in a safe place, that contains all your

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

Professional from academic institutions, pharmaceutical industries, health care indust

credit cards, including account numbers, expiration dates, name and address and telephone numbers of the issuers, and credit limits and passwords on each. This allows you to report a stole

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

n or lost credit card quickly and keep your money and your valuable credit safe and secure.

Only carry the credit cards you actually use. If you carry more than one -- perhaps one for work

.

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

one for personal uses -- that's probably more than enough to get you through the day. If you leave your department store charge card at home, then when you are at the shopping mall, and yo

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

Companies that provide selfless information through particip

u find something that you're really not sure you want -- but if you'd had the charge card you would have bought -- you'll be saving money, and closet space, by leaving that item at the store

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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Do you need to start or grow your business but have little money? Before you look to banks and similar sources of financing, why not bootstrap your way to business success?

In part two of this series we will deal with objections you might get, which credit cards to accept, and the check paying option.

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Advice You - What To Look For When Choosing A New Credit Card

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