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Top Articles - Credit Card Rates: 7 Things You Need To Know
Navigating the sea of credit card rates isn't exactly a breeze -- and the credit card companies make it that way on purpose. The more murky the waters, the more room they have to make money (and mon
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
ey is the name of the game for the credit card industry).
In order to fully understand credit card rates, you have to keep the following seven credit card fundamentals in mind:
1. Corporate Office
In order to fully understand credit card rates, you have to keep the following seven credit card fundamentals in mind:
1. Corporate Office
; 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
vs. Used Car Lot
If you had to picture the average employee at your credit card company, what type of individual do you imagine? Is it a professional in a suit? If so, you'd better change that per
If you had to picture the average employee at your credit card company, what type of individual do you imagine? Is it a professional in a suit? If so, you'd better change that per
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ception in order to understand the world of credit card rates.
Think of the credit card company as a used car lot -- they want to razzle you and dazzle you with low credit card rates in one hand an
Think of the credit card company as a used car lot -- they want to razzle you and dazzle you with low credit card rates in one hand an
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
d then pile on the hidden charges with the other hand when you're not looking.
2. The Rate May Not Be Set In Stone
When it comes to credit card rates, the interest you pay in the beginning may not
2. The Rate May Not Be Set In Stone
When it comes to credit card rates, the interest you pay in the beginning may not
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
be set in stone -- especially if that interest rate is exceptionally low. Let's face it, the credit card companies are in the business to make money.
If they charge you 0-percent interest for the l
If they charge you 0-percent interest for the l
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
ife of your account, they aren't going to make a dime. If they charge you 4-percent interest for the life of your account, they're not going to make enough to be happy.
When a credit card rate star
When a credit card rate star
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
ts out very low, it goes up eventually. Read the entire credit card agreement so you know exactly how much you'll be paying, and when.
3. Somebody's Watching You
The world of credit card rates is
3. Somebody's Watching You
The world of credit card rates is
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
like a web. The credit card rates you get from Company A, B and C do depend on how you pay your bills with company D.
How so? Because of the notorious universal default clause. Basically, this part
How so? Because of the notorious universal default clause. Basically, this part
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
of your credit card agreement (and your agreement does indeed have this clause) states that if you pay any of your bills late and the credit card company finds out about it, they can hike your inte
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
est rate skyward -- regardless of your payment history with them.
4. They're Not The Be-All, End-All
If you shop for credit cards based on credit card rates alone, you're doing something wrong. Un
4. They're Not The Be-All, End-All
If you shop for credit cards based on credit card rates alone, you're doing something wrong. Un
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
less you carry a high balance on your credit cards, there are other factors you should consider when selecting the one that's right for you. Things like cash-back awards and other credit card perks
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
should be considered -- especially if you pay your balance in full each month.
5. It Adds Up Over Time
The biggest mistake people with low credit card rates make is thinking they can charge up a l
5. It Adds Up Over Time
The biggest mistake people with low credit card rates make is thinking they can charge up a l
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
arge amount of debt because they're paying it off at a low interest rate. Remember, no matter how low your credit card rates are, it's still cash out of your pocket and over time the amount can add
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
up.
6. Credit Card Rates Can (and do) Change
Even if you pay your bills on time each and every month -- even if your credit gets better and better -- your credit card rates can still go up.
Why?
6. Credit Card Rates Can (and do) Change
Even if you pay your bills on time each and every month -- even if your credit gets better and better -- your credit card rates can still go up.
Why?
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
ecause credit card rates are not necessarily fixed rates.
If the bank's cost of borrowing increases or if the bank merges with another bank (which is not uncommon), your interest rate may take a hi
If the bank's cost of borrowing increases or if the bank merges with another bank (which is not uncommon), your interest rate may take a hi
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
ke.
If you carry a high balance on your credit cards, changes to your credit card rates can end up costing you a pretty penny. Because of this, it's always wise to keep your credit card debt as low
If you carry a high balance on your credit cards, changes to your credit card rates can end up costing you a pretty penny. Because of this, it's always wise to keep your credit card debt as low
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
as possible.
7. Three Words to Remember
The final fundamental I would like to leave you with in regards to credit card rates comes down to three little words (and they're not "I Love You").
What
7. Three Words to Remember
The final fundamental I would like to leave you with in regards to credit card rates comes down to three little words (and they're not "I Love You").
What
.
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
are these three magic words? "Lower my rate."
Yes, you read that right. If you think your credit card company is charging unreasonable credit card rates, call them up and tell them you want them t
Yes, you read that right. If you think your credit card company is charging unreasonable credit card rates, call them up and tell them you want them t
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
o lower your rate or you'll transfer the balance elsewhere.
If your credit is in good standing, you may actually get your wish. Remember, credit card rates (like most things in life) are negotiable
If your credit is in good standing, you may actually get your wish. Remember, credit card rates (like most things in life) are negotiable
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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