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Do you cringe each month when the credit card bill arrives? Are you frightened to look at the details and perhaps even leave the envelope

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

unopened in the hope that somehow by avoiding it the debt will disappear? You are not alone. More than 8.5% of credit card balances are

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

Examples of combination products may in

months or more in arrears in the UK alone, and with more credit cards in the UK than people that is one heck of a lot of debt.

But how

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

s that so many of us get into difficulties with credit cards, and what can we do to totally eliminate credit card debt forever?

I

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

the western world we live in a materialistic society where it has become the norm to judge our neighbours by the clothes they wear, or t

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

Combination pro

e car they drive, or the items that furnish their homes. It is not a fair judgment of course, and is no measure whatsoever of the people

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

themselves, but sadly it has become an unhealthy reality in today's society.

Have your children ever asked for a particular brand of sho

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

s or clothing simply because another child at their school wears that type? This is an example of the kind of peer pressure that is at th

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

root of the problem. The pressure to keep up with the latest trend can be phenomenal; and it is not just children who feel this pressure

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

adults too can be made to feel like a failure if they don't conform to expectations. This pressure is constantly reinforced by the lates

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

all powerful advertising campaigns from big brand companies who will spend countless millions in their efforts to persuade us to spend e

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

Following aspects would a

ver more.

So it is no wonder that we often turn to the lure of the easy payment solution offered by a credit card on a buy now pay later

dd to the challenges in developing combination products:

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

basis.

The trouble is, unless we are able to pay off the borrowed amount within the allotted time scale (usually a month, but sometimes

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

p to 60 days), we incur heavy interest penalties and if we continue to spend can very quickly become inundated with out-of-control debt.

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

Here's the hard part – stop spending money you don't have on unnecessary things! I know it isn't very exciting. But just stop for a minut

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

and think about what you are spending that money on... Do you really need a new mobile phone? Your old one still works fine, so is the r

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

Professional from academic institutions, pharmaceutical industries, health care indust

eplacement you are currently lusting after merely a fashion accessory? Wake up to the relentless pressure of advertising and recognise th

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

latest 'must-have' item it for what it is – a fad that will pass as quickly as it arrived.

If you are one of the 3.4 million people in

.

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

he UK who pay off only the minimum amount of their credit card balance each month then you will need to change your habits. To totally

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

Companies that provide selfless information through particip

eliminate credit card debt forever requires discipline and maybe even a shift of attitude and a step back from society's expectations

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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