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Credit card offers aren't exactly a rare occurence. In fact, many people are bombarded by multiple credit card offers each and every day. The question is, how do you know which credit card offers are the good ones

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

and which ones should be thrown in the trash (after being shredded of course)? Follow these seven bits of advice.

1. What Does "Pre-Qualified" Really Mean?

First things first -- when you get those credit card o

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

Examples of combination products may in

ffers in the mail that say you're "pre-qualified," it does not mean that you've been approved for the credit card that is being offered. You still have to apply for the card (and have your credit history run) befo

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

e you'll actually be approved.

Many people have gotten frustrated because they respond to a "pre-qualified" offer only to find out they're not really approved.

Don't take it personally. "Pre-qualified" credit ca

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

rd offers are nothing more than a marketing gimmick.

2. The Razzle, The Dazzle and Then The Punch

When you see credit card offers touting very low interest rates (or even no interest at all), try to remember tha

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

Combination pro

these are "teaser" rates that will eventually go up (and may go up drastically). The credit card offer may still be a good deal, but that all really depends on what the interest goes up to after the introductory

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

period.

Before jumping to apply for a low-interest credit card offer, see what the interest rate is really going to be after the introductory period is over.

3. Keep The Perks In Perspective

Many credit card of

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

fers include perks such as points or cash back that can be earned with each purchase. Remember, these perks may not be as great as they first appear.

A credit card with rewards attached also usually has a higher

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

nterest rate attached as well. If you carry a high balance on your credit cards, those perks are going to cost you big time.

4. It's Not About the Prize

Some of the credit card offers we receive don't even come

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

by mail -- they come during checkout at the local store. Oftentimes, these credit card offers have a one-time discount attached, such as 10 to 15 percent off your total purchase if you apply on the spot (and appro

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

al is instant as well).

If you think it's a good idea to open a credit card to get the discount and then close the account afterwards, that's really not such a great concept. A part of your credit score is determ

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

Following aspects would a

ined by how long you keep relationships with your creditors. If you have a history of opening accounts and then quickly closing them, it's going to impact your creditworthiness in the eyes of lenders.

5. What You

dd to the challenges in developing combination products:

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

Shouldn't Settle For

The credit card industry is definitely competitive. Because of this, you should never respond to credit card offers that require an annual fee or a "processing" fee (unless you have problem

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

with your credit history).

If a credit card company requires an annual fee or charges you for processing your application, go elsewhere for your credit card needs. There are a number of credit card companies who

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

will welcome your business (and won't make you pay extra for the privilege).

6. Seek Them Out

If you're not happy with the credit card offers you're being solicited with, it doesn't mean there isn't a credit ca

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

d out there to meet your needs. You may just need to look a little harder.

There are hundreds of different credit cards available and finding the one that is right for you may just be a matter of doing a little o

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

Professional from academic institutions, pharmaceutical industries, health care indust

nline research. Many consumers turn to the web to find the credit card offers that are perfect for them.

7. Seek and Destroy

After you have reviewed a credit card offer, what do you do with it? I'll tell you wha

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

t you should be doing.

Make sure you shred each of the credit card offers you receive before throwing them in the trash or you may find yourself becoming the next victim of identity theft.

Those credit card offe

.

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

s that infest your mailbox are also an identity theft criminal's best friend. If you don't want those credit card offers falling into the wrong hands, make sure you dispose of them properly.

By taking the above a

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

Companies that provide selfless information through particip

dvice into consideration when dealing with credit card offers, not only will you be able to find the credit card that's right for you, but you'll also be able to avoid making a mistake due to credit card confusion

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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