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From time-to-time, we hear of ways to lower your credit card’s APR. “Just pick up the phone and call your bank,” they say

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

. If you’ve tried to do lower your cards APR, you may find that it’s not that easy. You do have to do the work to get you

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

Examples of combination products may in

r annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few mo

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

ths.

1. Maintain an excellent payment history. Make sure your payments are on time. On time payments,

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

in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service represen

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

Combination pro

ative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you’ve

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

been with the company. Talk up your sense of customer loyalty.

2. Do your research. If you APR is too

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

high and you want to take your business somewhere else, be sure you’ve done your research. When you’re on the phone with

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

the representative, have the most attractive offers in front of you so you can cite the reasons why you’re thinking of a

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

alance transfer.

3. Be polite. This one can not be overstated: Be polite, be polite, be polite. These m

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

en and women work hard at their jobs for hours on end. Clearly they’ll respond more positively to someone who treats them

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

Following aspects would a

with respect than they will with someone who is demanding and rude. (Plus, you have to figure that they deal with angry

dd to the challenges in developing combination products:

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

nd irate customers all day long.)

4. Keep climbing up the ladder. Remember, these men and women are tra

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

ined professionals. Be courteous and calm when they deny your request the first time (because they will). Ask for the sup

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

rvisor. Often times, they’re the only ones able to approve such questions.

5. Be persistent. Sometimes

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’ll be denied and there’s nothing you can do about it. It frustrates me when this happens as I often think of myself a

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

Professional from academic institutions, pharmaceutical industries, health care indust

the customer service king. But even for those of you who don’t take “no” for an answer, sometimes there’s nothing else y

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

ou can do. Work on getting your finances under control and make the call a few weeks or a few months down the road.

The

.

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

inancial gurus paint a rosy picture about lowering your APR. It’s not as easy as it looks. Often times, people hang up fe

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

Companies that provide selfless information through particip

eling more frustrated and helpless than they did when they made the call. Be mindful of the process and the work involved

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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Applied research is transforming data to knowledge; data is what you got and knowlege is what you want.

Which ever group you may fall into, it doesn’t really matter. At this point in time, I’m not going to say marketing online is a must, but if you’re not doing, it you’re giving up a lot of business – especially if you sell a product or service that can be used anywhere in the world.

My blog just turned two years old. I never knew that it would add so much to my career, but oh boy, has it. Following are some lessons I've learned from the past two years of blogging.

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