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Advice You - Fixed Rate Vs. Variable Rate Credit Cards
Although it is mostly industry practice to charge a variable rate of interest on outstanding credit balances at a
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
certain percentage rate above Prime Lending Rate, it is possible, these days, to obtain a fixed rate credit card
; 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
. So, when would you want to apply for a fixed rate credit card over a variable rate credit card?
The answer to
The answer to
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
this may not actually sound as simply as you may think. Two factor need to be borne in mind: first, what is the P
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
rime Lending Rate at the moment; and second, what are the chances of the percentage rate plus Prime Lending Rate
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
oing above the fixed rate?
If you feel that borrowing rates are cheap at the moment and that it is unlikely that
If you feel that borrowing rates are cheap at the moment and that it is unlikely that
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
Prime Lending Rate is going to go up in the near future, then in all likelihood having the variable rate credit
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
card is going to be more of a benefit to you than having a fixed rate credit card. However, if the opposite is tr
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
ue, and you believe that there is a good chance that Prime Lending Rate is going to up in the near future, there
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
may be a very good reason for you to want to lock-in your interest rate at the current fixed rate being offered b
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
the card provider.
One exception to the fixed rate vs. variable rate credit cards debate comes into play if you
One exception to the fixed rate vs. variable rate credit cards debate comes into play if you
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
can manage to obtain a fixed rate with a card provider on the transfer of your credit card balance to a new card
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
provider. In this circumstance it could prove to be a very useful money saving policy to agree to the fixed rate
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
for the initial 6 or more month period as, traditionally, fixed rates for transferring balances are very low. Yo
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
u do, however, need to be extremely careful that any variable rate that comes into play following the fixed rate
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
eriod is not excessive.
Alternatively, you need to ensure (a) that you have made as much of a repayment as is po
Alternatively, you need to ensure (a) that you have made as much of a repayment as is po
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
ssible during your fixed rate term that you only have a minimum outstanding balance on the day the balance transf
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ers over to a variable rate; or (b) you have the option of transferring the credit card balance outstanding to an
.
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
other new card provider who is also offering a very low fixed rate of interest.
In any case, these days the deba
In any case, these days the deba
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
te over fixed rate vs. variable rate credit cards is certainly more interesting than was ever the case previously
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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