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If you think that the AT&T Universal Rewards Card is only a reward card, think again. It’s a

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

calling card as well.

This remarkable card awards members with 5 Thank You Points per dollar

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

Examples of combination products may in

of purchases made at the supermarket, gas station and drugstore. All other purchases earn the

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

cardholder 1 Thank You Point per dollar. Furthermore, those whose application is accepted rec

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

ive 10,000 bonus Thank You Points once they make their first purchase.

Furthermore, points a

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

Combination pro

crued are redeemable for various products and services through the Thank You Network. A cap o

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

75,000 points a year works out to $13,000 for grocery, gas and drugstore purchases or $65,00

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

0 on miscellaneous purchases. The points will also expire in five years if they are not redee

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

ed.

Compared to other calling cards, the AT&T Universal Rewards Card has rates that are some

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

hat pricey. Nonetheless, the card does provide up to 30 minutes of calls for free and wireles

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

phone loss and theft insurance. The latter is obviously the more enticing benefit.

The AT&T

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

Following aspects would a

Universal Rewards Card has a reasonable APR for purchases with no annual fees. Balance transf

dd to the challenges in developing combination products:

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

rs within the first twelve-months are not charged any interests. However, a minimum interest

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

harge on cash advances applies, with the minimum rate currently set at 19.99%. Thus, even if

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

the LIBOR rates with which the interest rates are tied to drops to a 10-year low, the 19.99%

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

till applies to cardholders.

As the AT&T Universal Rewards Card is a platinum card, platinum

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

Professional from academic institutions, pharmaceutical industries, health care indust

cardholder benefits apply. Included are services such as $1,000,000 in travel accident insura

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

ce, auto rental insurance, fraud protection and various other benefits.

Cardholders who plan

.

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

to take advantage of the reward program or the interest-free balance transfer within the firs

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

Companies that provide selfless information through particip

twelve months of enrollment will reap the most benefits from the AT&T Universal Rewards Card

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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The benefits from owning and using credit cards are obvious. The shopping experience is enhanced as cash is no longer required to pay for our purchases. Internet shopping is an ease as we shop at home, just with our credit cards by our side.

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Advice You - The Lowdown on the AT&T Universal Rewards Card

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