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Have you ever been a victim of credit card fraud? If so, you know just how traumatic it can be. What’s more, if you don't detected it early enough, it could leave bad marks on your credi

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

t report that could haunt you for many years. The most commonly thought of credit card fraud is when your wallet or purse is stolen, and the thief uses your credit cards to make unauthor

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

Examples of combination products may in

zed purchases.

But, with the increasing rate of online buying, another form of credit card fraud—known as misappropriation—is spreading like wildfire. These days the only thing a thief n

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

eds to create havoc on your credit life is your credit card number—not your actual card.

Here are just a few ways that this type of fraud can happen to you:

* One day your telephone rin

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

gs, you answer and the person on the other end of the line tells you that they have a one time special offer, good for today only—and that you simply need to provide them with your credit

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

Combination pro

card number to make a purchase. STOP! Don’t ever give out your credit card number to anyone who calls you. Only provide this kind of information if you have called the company to place

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

n order, and you are positive that it is a well-established reputable business.

* You find that someone has gone through your trash. Then when you receive your credit card statement, you

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

find that there are dozens of unauthorized charges. STOP! Always tear up your credit card receipts and bank statements before putting them in the trash. Better yet, buy a paper shredder

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

from a local office supply. Many thieves go through unguarded trash bags specifically looking for your credit card staments.

* You go out to eat in a restaurant and pay the bill with yo

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

r credit card. On your next credit card statement, you notice that there are unauthorized charges that started the same day as your restaurant meal. It turns out that the waiter made an

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

extra imprint of your card when he rung up your bill, and then used the number to go shopping. The solution? Many restaurants have placed their credit card processing centers in plain v

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

Following aspects would a

iew of the customer’s sight to combat this problem. If not, you could follow the waiter to the charge station, and watch him throughout the process. It’s also important to make sure tha

dd to the challenges in developing combination products:

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

they know that they are being watched.

You may be wondering if there are other measures that you can take to make sure you aren’t a victim of credit card fraud? Yes there is and here ar

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

a few suggestions.

* If possible, carry your credit cards and other bank information somewhere other than your wallet or purse. This way, if a thief nabs it, you will be out only your

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

cash—not your credit cards.

* Another way is to only take the credit card that you intend to use that day—leave the others at home.

* Make a list of all your credit cards and keep it in

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

a safe place, make sure to list the numbers and contact information of the issuing company. That way, if you do lose them, you’ll have the information necessary to contact the credit car

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

Professional from academic institutions, pharmaceutical industries, health care indust

company as soon as you notice the theft.

* Never sign a blank receipt, and always be sure to cross out blank lines. For example, if you bought something that didn’t require a tip, cros

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

s out the tip line so nobody can add to it later.

* If you're making a purchase online, be sure that you do so via a secure site.

* If you move, report your new address to your credit c

.

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

rd issuer immediately. Also fill out a change of address form at the post office. Sneaky thieves are on the look out for people moving, and then watch the mailbox of the old house, hopin

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

Companies that provide selfless information through particip

that they can intercept a credit card statement.

Following the above suggestions doesn't guarantee you'll never be a victim of credit card fraud, but it will greatly reduce your chances

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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