Advice You - Finance

If you fly American Airlines, have good credit and are looking to open a new MasterCard account, usi

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

ng the Citi Gold AAdvantage World MasterCard application may fit the bill. It is one of several card

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

Examples of combination products may in

that Citibank offers that is designed for people who fly on American.

For each dollar you spend on

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

the Citi Gold AAdvantage World MasterCard, you earn one mile of travel on American Airlines. You can

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

also use earned miles toward hotel accommodations and rental cars. The maximum amount of miles you c

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

Combination pro

n earn in any given year is 60,000, but those miles have no expiration date so long as there is some

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

activity on the account once during a three year time frame.

Citicard offers several AAdvantage car

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, so it is important to note that the Citi Gold AAdvantage World MasterCard offers 12,500 bonus mil

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

s for the first purchase on the card! Its annual fee of $50 is waived for the first year, as well, 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

d this particular MasterCard has no “pre-set spending limit”. (All that means is that you can exceed

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

your credit limit on occasion, based on your payment history.)

Currently, the APR for the Citi Gold

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

Following aspects would a

AAdvantage World MasterCard is 17.99%. For cash advances, the variable APR goes up to 22.99%. If yo

dd to the challenges in developing combination products:

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

happen to default on the card, the variable APR can be raised to 31.99%. There are, of course, fina

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

ce charges for any purchases that are not paid for within the first 30 days, and there are charges f

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

r other services like cash advances, foreign purchase and balance transfers.

So, if you travel, wan

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

to earn much needed bonus miles, and like the flexibility of having no pre-set spending limit, the

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

Professional from academic institutions, pharmaceutical industries, health care indust

50 annual fee shouldn’t affect your decision about applying for this MasterCard. If you pay off your

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

card each month, don’t normally spend more than $60,000 on a card per year (which will be the maximu

.

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

limit of bonus miles you can earn), and like that there are no black out dates for when you can tra

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

Companies that provide selfless information through particip

el with bonus miles earned, you will definitely appreciate the Citi Gold AAdvantage World MasterCard

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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