Advice You - Finance

The CitiBusiness Card is an excellent card for those who have very good credit and ar

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 looking to maintain and manage all of their business-related expenses by using one

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

Examples of combination products may in

redit card.

There is no annual fee associated with the CitiBusiness Card, and it off

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

rs an introductory interest rate of 0% for the first twelve months on both purchases

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

nd balance transfers. After the introductory period, the interest rate on purchases i

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

Combination pro

10.99% based on prime rate for purchases and average 22.99% on cash advances with a

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

re-determined minimum interest rate. Additionally, after the introductory period the

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

ee for balance transfers is 3% with a $5 minimum and $50 maximum, and a 3% fee for ca

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

h advances with a minimum of $5.

There are no rewards programs available with this c

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

rd, however, it is quite attractive for those looking for a business card that has a

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

ow interest rate and who plan to take advantage of the other services and discounts t

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

Following aspects would a

he card offers.

Some of the services and benefits a cardholder can expect to receive

dd to the challenges in developing combination products:

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

from the use of the CitiBusiness Card include the following:

• Online access to acco

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

nt information

• Emergency assistance and travel-related services

• Solutions for i

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

entity theft

• Personal business assistant

• No liability to the cardholder for una

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

thorized transactions

• Protection from fraud

• Automatic payment of bills

• Prote

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

Professional from academic institutions, pharmaceutical industries, health care indust

tion for purchases

• Insurance for car rental

• Legal and medical referral services

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

• Assistance for lost luggage

• Reporting of lost and stolen cards

• Emergency car

.

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

and cash replacement

• Financial statements for year end and quarterly

• Travel ac

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

Companies that provide selfless information through particip

ident insurance up to $1,000,000

• Discounts at participating merchants and retailer

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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