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You risk having your identity stolen when you receive unsolicited pre-approved credit card offers. Most mailboxes are fairly easy to break into and you m

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

ight not even realize any of your mail is missing. If an identity thief steals a pre-approved credit card offer from your mailbox, he can easily complete the in

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

Examples of combination products may in

formation and mail it back to the company under your name. If you have a good credit rating, the credit card application is very likely to be approved. You woul

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

d never know someone has a credit card in your name until a problem occurs.

Sometimes, identity thieves will try to send a change of address to credit card com

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

anies so they can receive pre-approved credit card offers meant for you directly to an address they specify. They might put a change of address request in with

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

Combination pro

the post office or directly contact the credit card operation. Any new offers and even new credit cards will then be delivered directly to the new address. You

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

need to be aware of any potential warning signs that someone may be trying to steal your identity or might have already stolen it and are using it for illegal

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

ctivities. If you notice that you are receiving less mail than in the past, contact your local post office to see if any address change was requested.

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 companies tend to send multiple offers. Try to get the companies to take your name off their mailing list. If they continue to send unsolicited applications

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

, you might be able to contact a consumer or government agency or a direct mail marketing authority to assist you in removing your name from these mailing lists

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

Even though you only have limited liability if your identity was stolen and you did not authorize the credit card, there are still a number of problems that y

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

Following aspects would a

ou will have to deal with. You might have to argue with the issuing bank or credit card company that the signature on the application is not yours. Your credit

dd to the challenges in developing combination products:

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

record could be hurt. It will probably take a lot of time, money and energy to sort through the problem with banks and merchants that the identity thief has foo

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

led into thinking they were dealing with you. It's quite possible you will need an identity theft attorney to help you sort out a myriad of problems that stem f

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

om the identity theft.

Luckily, the credit card companies are aware of possible identity theft and are experienced in dealing with these issues. Credit card co

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

mpanies know that sending unsolicited pre-approved credit card applications is profitable for them, but they are also aware of the risks of identity theft that

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

Professional from academic institutions, pharmaceutical industries, health care indust

people face. Thus, credit card companies have initiated measures that will minimize these risks.

You can take measures to protect yourself from having your ide

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

tity stolen via pre-approved credit card offers:

* If possible, lock your mailbox or use a post office box. This will reduce the possibility of your mail getti

.

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

ng stolen.

* Make sure to immediately put a change of address with the post office as soon as you move so your mail is not sent to your old address and become

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

Companies that provide selfless information through particip

even more vulnerable to being stolen.

* Use a shredder to ensure a thief can't go through your garbage and find discarded pre-approved credit card applications

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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