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In an age where everything is enticing us to buy, whether we can afford it or not, do we really want teenag

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

e students sporting credit cards?

No doubt that spending is out of control, and more people than ever befo

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

Examples of combination products may in

e have access to credit, but is it needed and/or deserved is the question. Just like everyone having cell p

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

hones there are positives and negatives, but with a little thinking ahead, Credit Cards have a place.

If y

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

ur college student is heading out of town, it certainly seems that a credit card is handy for emergency sit

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

Combination pro

uations. This is where the importance of talking about when it is appropriate to swipe the card, or pass it

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

by if something is not in the budget. There is a Huge difference between wants and needs, and if your stud

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

ent can identify the difference, the less likely you will have problems with overspending.

One of the nice

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

features, is that you can sit down with the teen and discuss the monthly statements, and be able to see whe

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

re the spending is coming from. Maybe you set up a budget that allows for Gas / Car Maintenance / School Ex

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

enses, etc… If these are the only expenditures on the statement, then the teen is probably to be trusted to

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

Following aspects would a

make smart spending decisions. If not, then it may be time to rethink the credit card issue with you stude

dd to the challenges in developing combination products:

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

t. Like everything, some get it from the start, some catch on eventually, and some just never learn. That i

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

s a case by case assessment.

Another Great Feature to look for when applying for a Student Credit Card, is

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

to see what reward programs are available. Some offer: points for every dollar spent / A percentage back fo

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

r popular purchases – in some cases up to 5% / Free and/or discounted tickets for certain entertainment ven

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

Professional from academic institutions, pharmaceutical industries, health care indust

es / No Annual fees / 0$ fraud liability… And the list goes on. Doing some homework here can really payoff,

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

and it’s a great way to help your child begin to positively build their credit score.

In Conclusion: You

.

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

will want to sit down together and set boundaries and budgets for the proper use of credit cards in all sit

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

Companies that provide selfless information through particip

uations. Some can handle the responsibility, some cannot, and you will have to treat each child accordingly

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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