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Picture this scenario, you apply for a credit card and the application is approved. Your credit card arrives in the mail along with documents enlightening you about

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

how to use your ‘new money'. The do's and don't list instructs you to sign the back of your credit card as soon as you get it.

So what is the problem, you ask?

W

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

Examples of combination products may in

ell, recently there have been many questions regarding signing at the back of your credit card. So this article aims to address the question, how great is the liab

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

lity for signing a credit card?

Critics have pointed out that if your credit card is stolen, then the thief will have a copy of your signature and can duplicate it

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

for the purpose of misusing your credit card.

On the other end of the spectrum, major credit card companies like Visa, Master Card and American Express have rules

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

Combination pro

that forbid merchants from accepting credit cards that do not have a suitable signature at the back.

Visa explicitly states that a merchant may not finish a deal u

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

ntil and unless a credit card is properly signed.

So what should you do? Since you must sign your credit card and the liability for signing a credit card is totall

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

on you, you need to guard yourself against credit card fraud. Below are a few tips that can help you protect yourself.

1. You should never ever give your credit c

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

ard number to any one else, especially to people who call you on the phone. If the person who is calling pretends to be from a company that you do business with or

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

rom the card company itself, tell them that you will call them later on the number that you have for the company.

This way you will know whether the person is a fr

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

aud or not. If you feel that you are being defrauded you should contact your card company immediately.

2. The same principle applies for any e-mail that you receiv

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

Following aspects would a

e that asks you to click a link or give out your card number. You must never do so. If you know the company, type out the url in a separate window to check the vali

dd to the challenges in developing combination products:

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

ity of the site.

3. A good idea is to keep a separate card with a low credit limit for online purchasing purposes. Alternately, you must use a credit card company

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

that will offer one occasion authentication numbers. This way, even if your card security is breached, the losses will be limited only by the amount that is availab

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

e on the card.

4. Attempt to settle your credit card bill every month. Scrutinize all the items properly. If you find any items without any receipts or items that

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

you do not recognize, get in touch with your credit card issuing company. It can be a billing mistake or it can be a fraud. It is better to be safe than sorry.

5.

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

Professional from academic institutions, pharmaceutical industries, health care indust

f there is an option available, it is advisable that you register all your credit cards with a credit card registration service. You should note down all your credi

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

t card numbers, the date of expiry for each of them and any other details that are available and preserve them in a safe place. In the unlikely event that any of yo

.

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

r cards are stolen, then you will not be at your wits end trying to lodge a complaint.

Since there is no option for you other than signing your credit card, and wi

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

Companies that provide selfless information through particip

th that taking the liability for signing the credit card, then it is safer for you to follow the above security guidelines to defend yourself from credit card fraud

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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